By mentioning my name you have sucked me into this one Mikemeriki.

I would just like to clear the air here as to me. Yes I have nearly 6,000 posts on this forum but many of them have been in the land sailing section which is where I joined about five years ago.
Check out land sailing, it is really exciting stuff. Imagine hooting along a beach at three to five times the speed of the wind, lying down, feet first and your bum just a couple of inches off the ground. Cheap thrills, especially for geriatrics like me and it is really SAFE.
Further, I am no legend, just old, though feeling less that way since I have been getting my weekly Chinese Massage. Damn, it is making me feel sexy and for a bloke who will be 64 in August, it is a good sign.
You must also understand I am a Navy trained MOBI. That stands for Most Objectionable Bastard Imaginable. Apart from my Navy sea time there will be guys half my age who have twice my sea time on yachts.
I am just powering up for as much sailing as I can get in before I walk the plank.
To your original question: Fin Keels.
I never have and probably never will own a yacht that is not a Fin Keeler and I am on my 7th yacht now. Why???
Fin keeled yachts are proven to the best windward performing hull design be the keel fixed, retractable or canting. End of story.
Re your concerns about fin keels falling off, that is whole different subject.
Forgetting about retractable and canting keels, lets just look at the three varieties of fin keels.
1. There is the encapsulated fin keel where the ballast is added to the inside after the hull is built. These keels do not fall off as long as the hull is built correctly.
2. The next type is the bolted on and faired in keel as exemplified in the S&S 34 with an hour glass hull form.
3. The directly bolted on keel with no fairing between the hull and keel which is the current format and probably the best for performance.
What it comes down to is the way in which the keel is attached to the hull, the scantlings in way of the keel attachment (strength of the hull) and the material used.
Assuming we are all sane people here, we know that the keel will be lead and the attachment of it will be using a dissimilar metal (think about electrolysis) because I have never seen lead bolts anywhere.
The two materials for attachment of lead keels to hulls are stainless steel or bronze. But it goes further than that. The mechanical method of attachment is of utmost importance.
If there is only a single row of bolts holding the keel on and they are stainless, be very wary. If they are alternately angled port and starboard as they were on my S&S 34, just make sure they are tight.
The best situation is sister bolting on the keel with bronze. That is what Second Wind has and I am smiling big time.
You can have the Bennys and Jennys with their fancy furniture and falling off keels. I am sticking with my Kiwi built Lotus 9.2 with bronze keel bolts.