You can get into trouble with any boat if you don't use common sense. Knowing the forecast, knowing which direction the prevailing winds will be, knowing the capabilities of you and your boat will give you the confidence you need. Not overloaded!
In the context of "got ugly" not "I want to fish in it"... a good* 14' boat is pretty hard to swamp; it can be a rough ride for sure but IMO a stout tinny can be easier to manage than a bigger heavier boat. *Good means a quality higher gunwale boat, not a flat bottom or cheap Sears boat. If weather is possible I would head out into the expected wind (from Wellington heading west to the Bonnet is perfect because you will most likely get blown back in). If you keep other boats and charters in sight you can coattail ride them in.
At 25mph you will probably be 1/2 hour from cover wherever you want to fish, unless you get into technical difficulties but most would be 'in the same boat' in that case!
I assume you are not boating from Kingston to Newcastle
. Port Hope has a nice launch and easy access to deeper water, Wellington is a great spot to hit the Bonnet. Brighton Bay is another access but if it gets rough you will most likely be running parallel to the swells or slightly into it. I have not fished west of Port Hope.