The problem when you get wind apposing current is that you don't get rollers, you get tightly packed standing waves. The waves are taller and packed closer together, putting your boat on steeper angles. The shallowing water near shore amplify the problem. I had 2 big waves come over my stern on my 17' at the mouth of the North Arm many years ago after my boat swung unexpectedly from a big wind gust, at the same time my brand-new bilge pump decided to take a nap. I was lucky to get back into sheltered waters by Wreck Beach and hand bailed for an hour. When you look at a map and see the general direction the water flows out from Burrard Inlet, the North & South Arms, and even Howe Sound during an ebb Tide, and compare it to the wind speed and direction....the more the wind and current oppose each other the sloppier the conditions.