Engineering 101
When you decide to build a boat you have to ask a couple of questions if you expect to sell the thing:
Who is my audience? Don't try to sell a blue water boat to a lake sailor
What kind of conditions does that audience sail in? The winds on a lake or bay are generally less than those coastal and ocean sailors experience.
How many folks does my audience typically have as crew......
the list goes on and on.
Once you answer these questions you come to the realization that your boat is going to be sailed in a range of wind strengths that can be determined. So you DESIGN to that wind strength range. This is what I'd call a design wind. It will dictate the placement of reef lines, mainsail and jib size, etc.
So a bay sailor will have (typically) larger lighter weight sails than a coastal cruiser which will have smaller heavier sails. Sail inventory will factor in but since you don't want to price yourself out of the market, you typically don't provide a production boat with 2 mains, 5 jibs, and 2 spinnakers. You give the buyer one main with reefs to handle the higher end of the design winds and two jibs. Then make the spinnaker an option.
For a 26'er you are probably looking at a design wind of 7-12 knots. You will not have (from the factory) a sail plan for 2-7 knots and will have to reef at 12 knots. Don't use those number as gospel though. I just used them to illustrate the point.
You can answer the questions yourself. Just ask yourself, If I put the stock sails up what wind strengths does the boat "come alive" and at what strength do I have to reef.