GFC.
If the SV was under power then it is completely different. But you have pretty much stated it was sailing heeled over.
What was the light on top of the mast? White? Red over green? Tri color? Was it an all around 360 white (anchor light)?
Some things are assumed ( in light of no dispute by you ). That the vessel was under sail and not under power.
Some things are inferred ( that the SV went from point C to imminent collision) that this was somehow the SV fault or bad judgement on their part.
You were in extremis. You HAD to do something to avoid collision. The issue is how did you get from give way to extremis? (How did the SV go from point C to directly in front of you without being seen?)
At point A you were the give way vessel.
At point B you were the give way vessel.
At point C you were the give way vessel.
How at CPA did the other guy become bonehead?
From your description the guy tacked (changed course) at 1/8 mile away. That's not 'right in front' of you.
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