Reef point needs depend on the winds
you need (or want) to be able to sail in, what headsail options you have available, and how your boat handles heavy air. And, of course, what options you have if you cannot reduce sail enough when the need arises.An extra set of reef points adds little to cost, doesn't add much weight to the sail, and would always be available if the need arose. As was pointed out, you could go for a couple of shallower reefs rather than a single deep one and get more flexibility to fine tune to conditions and potentially keep your crew happy.I sail my Chrysler 26 inland, but have intentionally sailed her in winds 33-37 kt apparent, gusting beyond 40 kt (as measured on backstay with small digital anemometer... a buddy with an analog masthead anemometer registered somewhat higher steady state air and brief gusts much, much higher). A lee shore is always fairly close, although since waves are small I guess dropping the sails and motoring, or running off and hiding in the lee of an island, would be an option if it became unmanageable.The Chrysler 26, a relatively narrow Halsey Herreshoff design, is initially tender, although firms up as she heels and feels very secure to me. I have two deep reefs in the main (48" and 96") and use my second reef quite a bit this time of year. My (too) heavy 150% genny maintains an OK shape when furled down to about 90%, and if it's blowing so hard I need less sail than I'm not as worried about effective shape. If it's blowing hard, though, I usually switch to a 70 sq ft heavy weather jib before leaving the dock.Several times a year I'd be glad of a third reef, and a 35 sq ft or so storm jib. Both are on the agenda for next year. If I were on the coast, would I intentionally head out in winds that high? Not likely. However, I'd want to be able to handle them as well as possible if they materialized while I was out.Fair Winds,Jeffs/v Windward1978 Chrysler 26 #481