Not any easy question
I own a 1979 Hunter 25. I have both jiffy reefing and roller furling. We have a had a lot of 15 to 25 knot days here this year and I single hand a lot so quite often I go out with my main under wraps and my 155 Genoa reefed in until I feel that I can comfortably handle the craft. When I fly both sails, which I prefer to do, I listen to the marine reports and watch my wind meter prior to leaving the dock. At 18 or above, I reef PRIOR TO leaving the dock ..... saves wear and tear on me. Although I have reefed underway, I prefer to leave the dock reefed and, should the winds not live up to predictions, it is easier to shake out the reef than to put it in. As far as tenderness. I find my 25 tender up to 10 to 15 degrees of heel at which time the keel's weight takes over and she settles down and hardens up. I have had her over 40 to 45 degrees without rounding up but that is with several others on board (do not like to be even close to this much heel when soloing). I will say this, that at no time have I found tiller control force to be excessive (ie more than one hand can handle). I have heard others complain about the excessive tiller force required just before rounding up but the only times that I have rounded up, the tiller tended to "tremble" (for want of a better word) and then became unresponsive. This "shaky" warning gives me enough time to ease the sail or head up a little.All-in-all, I find my boat easy to handle even in strong winds, easily controlled, reefing (with a little foresight) rather easy, and quite comfortable under sail.