I only use the crossbeam cleats as fairleads. It keeps the bridle just as organized but puts the load where it belongs.

The crossbeam cleats will be fine in most situations, but if they are not the consequences could be pretty bad (loss of rig).

You never know what load the lines might have to take... a bigger boat upwind could come loose and drift down on you. Or some idiot could just run into you. Normal conditions can turn into abnormal conditions without warning.