I'll chime in too...
This is just me, but I'm usually 'alone' on the boat. Whoever I'm with isn't really helping me do anything, and I'm usually either just taking someone out for the day or going to Catalina Island.
I have a 135 roller furling like you. I have no idea with the 'cut' is, and my main is not full battens.
I keep it reefed ALL THE TIME. Why you ask? Well, I am never racing or ever trying to push it. So, if there's a good wind, the reefed main and full jib gives me plenty of speed. Once I'm out for awhile and if it doesn't look like the wind is going to pick up, and it's staying below 15 knots, I MIGHT let it out if I don't feel too lazy. That's pretty much what I do.
Don't get me wrong, I've had it all up in 25 knots of wind and had a blast, but I just don't do it very often. And especially if I have guests on the boat, it's just too much to handle sometimes and the wine and crackers tend to spill more frequently.