The most scared I've ever been on a boat was mid-channel in fog. No radar, AIS didn't exist, and we could hear a ship's engines getting closer. Everyone on deck, with lifejackets. It passed a couple of hundred metres ahead of us.
Of course, we haven't actually defined heavy weather. I don't think that I have ever sailed in the sort of heavy weather that an ocean sailor would be prepapred for, and the only gales I have sailed in have been in sheltered water, or F7s downwind in open water. My wife might define heavy weather as anything that made her uncomfortable, which is fair enough, though I have greatly enjoyed some sails that she didn't really appreciate.I don't know about women, but I have to admit I'm not too keen on it either.
We used to have a rule. Adverse conditions consist of Cold, Wet, and Windy. We were prepared to go out with any two, but never all three.I think so much depends on the circumstances. We went down the western Solent into the teeth of a good 6 with wind over a spring tide and, with comfortable temperatures and a blue sky it was a fun rollercoaster ride.
Off St Albans Head, it was a steady top of F7, but not wind over tide, so probably similar sized waves, but it was cold, the sky was grey, the sea was grey except where it was white and the cliffs were black. It was not fun.