We cross the bay regularly in our 4.7 Seariders from Fleetwood to Piel / Barrow /Ulverston
The bay is fairly straightforward,but as stated there are a lot of sandbanks and a chart plotter is , in my opinion , essential.
The tiderun and cross currents can get strong off the Barrow approaches and there is a fair bit of wind farm Fast cat traffic
Coming from Morecambe a good alternative is Ulverston,great pub and very pretty but it shallows out to nothing very quickly
I would always feel safer doing the Bay in company,stay safe.
It looks massive on the trailer,but tiny in a big sea!