You've got to be kidding me!!
15 to 20 knot winds during the prime sailing season in Texas and you've got some things on your 'to do list' that will keep you ashore??!!!
I don't follow that line of reasoning at all. Knowing when and how to reef is one of the more important things you should learn and I can't believe that you are thinking about wasting this opportunity. Like others have said ... reef when you leave the dock. When you are in the open, head up-wind to measure your performance. Play around with dropping your traveler and adjusting to find the most comfortable combination of heel and speed. Make several tacks and go a good distance upwind, then turn around and head off wind on some reaches (not dead down wind). Shake out the reef while you are at it. Then after you have had this fun, furl in your headsail, heave to, and put your reef back in. Head back upwind for several tacks.
Turn around, shake out your reef and head back home. Remember, if you have a true wind of 20 k, your apparent wind will be stronger and may measure 25 k or better when you are tacking upwind. You will want to be reefing on this point of sail for sure.
When you turn around and head off the wind, your apparent wind will drop off to 15 k or less. You will handle this easily without the reef. In the gusts, if there is a tendancy to want to broach, then you may want to shorten sail so you could bear off on your reach with that in mind and wait for a while to see if keeping your reef in is what you want to do. Also, if you are tending toward a broach while reaching, you will want to bear off the wind in the gusts(closer to dead down wind), but you must be careful not to go far enough to cause an accidental jibe.
These conditions seem ideal for learning these techniques ... you really should expand your comfort envelop.