Hi Chris,
Like you my 1/96 scale warships are all capable of sailing in reasonable wind, I’ve even sailed a Type42 in the Solent without any issues.
I always when building a model warship keep the top weight as low as possible. As up top requires to be twice less than that amount down below. A friend in the club has a 1/96 Type 45, up until he replaced the top radars which was made of resin with a 3D printed version, she sail very tenderly. But sense the mod she sails very well.
Until I can get Roosevelt on the water for a test ballasting I don’t know how much more ballast she will need to bring her down to the correct water line. I’ve do prelim checks in the hot tube, this showed she still requires additional ballast.