Re: Reef!
Sailing on the bay lots of fun, You've gotten lots of good advice. One thing you'll find on the bay is that the winds are pretty much steady, starting out light in the morning and building through about 2 or 3 pm, they don't gust like many of our inland lakes, The winds, funnel through the golden gate and head straight to berkley. Do a search, there is a web site which shows real time winds on the bay.
Also, My wife doesn't like sailing on our inland lakes when the boat heels too much, the gusts (as you mention) make her uncomfortable. If your like her, you come from a power boating background where heeling boats usually indicate trouble. Our sailboats on the other hand like to put a little heel on, they go faster and look better that way (seems to be a theme with women and boats). She loves sailing on the bay since the winds are steady, there isn't the constant shifting over and back so once your set you just keep on going, with minimal changes to sail trim or boat heel.
If you get a chance, go out as much as possible, even when there is a little wind, take the helm and learn how the heeling can be controlled by using the mainsheet, traveler and vang. Learn how to reef and heave to so you can get things under control as needed.
The issues on the bay usually have less to do with wind and more to do with the BST (Big Steel Things), there is a lot of ship traffic in the bay and so you need to keep a sharp lookout.
Have fun and enjoy,
Victor