I just had mine out in about 20 knots with my wife and a teenager with no sailing experience. There was about was about an 85 mile fetch for the waves to build but it was quite choppy. A little unpleasant during that small stretch of sailing, my wife was steering (practically no experience) and we broached a couple of times as she panicked at the helm. At the end of the day it was still great to get out and see dolphins and the likes. In any case, we were no where near capsizing in those conditions with full main and jib. The boat stayed surprising dry, only a couple of waves managed to get us wet, and we had one wave get a little bit of the cockpit floor wet when we turned down wind.
In my limited experience I'd say it would be extremely difficult to capsize one of these boats. Probably impossible with wind alone. I don't think you'd want to be out in those conditions anyway, as there would be little enjoyment there IMO.
In a sea state that would cause you to capsize I think there's a good chance the next really big wave would right the boat.
A general rule of with boats is that it takes a cresting wave abeam 1/3rd in height of the length of the boat to capsize it, and because they are less stable inverted a much smaller wave to right the boat. (Eg a 6'11" tall wave for the 20'10" U-20)
Perhaps someone with a bit more experience could weigh in, but these boats are fairly stable. Perhaps not the easiest choice for single handing, but I've single handed much harder boats to sail.