I do tend to watch weather reports if I plan to be away these days.
After we first built our 20' dia wind turbine I just left it on and it survived fine for about 8 months till we had freak gusts in June (2 years ago) over 100 mph (the blades struck the tower). Till then I never shut it down and it survived plenty of days with gusts 70-80mph.
I am more careful now and tend to shut down when things get really nasty or when its predicted and I know I'll be gone.
I would never consider lowering the tower though... if that sort of thing is necessary I should think the tower has serious problems, the tower should be like a building that can stay put through anything. (hopefully mine is)
As flux has said, shutting down the wind turbine does go a long ways towards protecting the tower. If the alternator is powerful enough electrical shutdown should be sufficient. Mine will shut down safely in any wind I've experience by shorting only a single phase. This gives me some comfort knowing that if any 1 wire should break.. I can still shut down even in high winds. A mechanical break, or some way to mechanically furl the tail is surely not a bad idea either.. so long as it's reliable and doesn't lead to other problems.