Your clarification about referring to the Mac ONLY makes sense. I was commenting about the general statement you made; 'The backstay on a fractional rig is not really necessary to sail the boat.' That's a generalized statement about an entire class of boats, and not correct.OK let me be perfectly correct. The fractional rig on these boats on this forum do not need the backstay to stand up. Since the boats did not come stock with a backstay adjuster, the backstay only does what the basic rig length allows it to....
Ditto for the spreader angle. The spreader sweep is pretty much the same on these boats on this forum.
If there is anyone here who has to provide rigging information to an insurance adjuster for a trailer sailor- I'd recommend another adjuster.
In other words, comparing this forums typical rig, insurance regs, spreader angle, backstay adjustment etc etc with those of the particular sailboats on which you sail is just false. The info about mainsail adjustments is interesting, but hardly necessary. Crying that the sky is falling every time someone changes their sailboat is very much over the top.
Regarding insurance, here's something for you and Sum to think about.
You are right, for your boat the mast is probably worth 1000 bucks. If it falls over and busts your insurance company is likely to just write a check no questions asked, because the cost to examine would be more than the claim.
But imagine is it falls and KILLS someone. Now you are looking at a half a million dollar liability settlement. If you think that they will not come out and climb all over your rig, you're mistaken. If they find any monkey business, you better get a good lawyer.