we've seen some really lumpy stuff on loch lomond over the years, remember sitting with Jeff Hutcheon watching our 16ft boat disappearing in the troughs on the way back from the pub, it was on a visitors mooring at Milarrochy Bay camp site, glad we weren't sleeping on it that night 
Yes it can get abit choppy at loch lomond and milarrochy bay is where we go and have seen a couple of boat fill with water due to the waves it was hard going pulling them out of the water.
Shinyshoes i would go out rougher water not sure if my 5 year old would just starting to get him into the boating life and get him use to it
Cheers kevin
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