Furling anytime
I have a CS36 Merlin and last year got a Beneteau 393 with a furling main for sailing down south. At first I was a bit wary of a loose footed, hollow leech, battenless main but after using it for a season I wish I had the same rig on my Merlin. Unless you're going to race, the furling rig is the way to go. You use the main a lot more, especially if you're just day sailing and the best part is, at the end of the day, you don't have to lug that sail cover out and spend another ten minutes flaking and covering. There is a technique to properly using a furling main but it is fairly easy to master. The 400 will be a great boat for you, I'd get a 150 genoa for Lake Ontario.
