David - I've never heard of a C-Dory being capsized by a breaking wave, (not a surf wave) but a number of years ago a 22" C-Dory up in Alaskan waters got caught on the lee shore with a dead engine and was rolled around, How much wave action will a 22" handle? I don't know, and frankly, I don't want to find out.
Nine years ago we were caught in a gale between Galiano and Salt Springs Islands (in the Trincomali channel trying to get to Ganges). It was a very confused sea. We had ducked behind a big trawler letting her break up the waves, assuming she was heading to Ganges. I should have radioed the captain to ascertain his intentions. As we neared the area where we would be turning to the starboard, the trawler kept going straight and left us to break our own passage. We were really just jogging and maintaining direction and were slapped around quite a bit, with green water coming over the bow frequently. I estimate the highest waves were around 8 feet, high enough to get our attention. We inched along and eventually made port safely. But it was no fun
My first real experience with big waves was 55 years ago on a troopship heading for Korea. I thought a ship almost 800 feet long would handle waves without much fuss. My was I wrong. We got caught in a nasty blow midway across the Pacific, and the captain had to change course and slow down to six knots to keep things under control. My sense was that we were in 40 to 50 foot waves, but they were quite a distance in terms of intervals. A number of times the stern raised enough to expose the propellers, and then the boat would shake and shudder. We ate standing up for a number of days.
For those who like to read about really heavy weather, find a copy of the Heavy Weather Guide, second edition by Rear Admiral William J. Kotsch and Richard Henderson, Naval Institute Press, Annapolis, Maryland, Even big war ships come to grief from waves. My master chief (retired) brother like to say that the sea is a cruel master at times.