I know where you are coming from Mike... And it usually works out that way from what I have seen and read about. I have only come across one PEMB frame failure related to wind, and saw it with my own two eyes on a forensic job or I would not believe it... It was a tornado, and it was a downward pressure failure. There was not much wind damage to this structure at all other than the buckling of a frame, ie, almost no cladding missing. Pretty crazy and rare I would think. And 50 feet away a ranch house had ZERO damage, tornadoes are amazing like that!
And thought into windborne debris has been given, especially in roofs. After Andrew they found neighboring buildings to gravel roofs literally shot blasted. Now if you want to do a gravel roof in S FL or anywhere in Florida the code requirements are so tough that nobody does them anymore. Ron probably knows way more about this than I do, but that has been my limited experience with gravel roofs. And I haven't seen a new one in FL, ever.
PEMB and wood framed structures in my experience and understanding in wind loading usually begin to fail in pieces- a window or door blows in creating a partially enclosed condition, greatly increasing the pressures on the components. Maybe a few pieces of roof sheathing at a corner or ridge will fail, or a truss or two, and the same thing happens. Then you either have enough wall and roof sections missing that the overall lateral wind loading is reduced (an OPEN structure) and the structure is saved, or, well, not- global failure...
Or with a PEMB you will have pieces of metal decking or siding, light gage steel framing, etc fail and then wind can get into the structure and usually cause enough other cladding to fail where you quickly have a more or less OPEN structure, so that your moment frames are not seeing the max design load. Thus we see very few frame failures, bolt pull-out failures at base plates, or the Loch Ness of them all- the spread footing being pulled out of the ground failure. Structures like these tend to fail in enough pieces and parts, whether intended to do so or not, that a global failure is pretty rare.
Pretty off topic at this point, sorry....