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If the clothy bits tear on a sailboat it’s an inconvenience. When the hard bits (eg keel) fail, it’s a problem.

Mast snapping happens. Rudder snapping off is also bad. Often the issue is running into rocks/a reef due to a navigation failure. Sails do tear, but for sailboats I don’t think it’s as simple as the clothy bits being the main weak point. I don’t know about airships though.

For airships, the entire structure (frame, envelope, gas bags) are at the limits of materials engineering. Failure of any of the components is both likely and catastrophic to the craft.