85% of us throw away multiples of 20 seconds by imperfect sailing and trim already and improving on that is nearly costless.
Improving on skills are not costless. It takes time and effort => work. Real work if you really want to improve. Much easier to spend money, or not, so we can put the blame for lack of performance where it belongs.
It is not just the odd 20 secs here and there, but the whole range of skills to master and finding the groove at all times. Need to spend lots of quality time on the boat to get all this right, and then there is the mental game in addition.
I guesstimate the number of 85% could be even higher.
Wonder if the original poster expected the current discussion
