To reef or not to reef that is the question. Nah mate to be honest i bought a new set of sails for my 1986 hobie 16 and well the new sails dont have reefing points for a reason. You dont need them. Recently we had a gale (around 40knots) A mate and i saw the winds and went we're going out. We went out main and jib and we were flying. Just imagine Twin traping on a reach with jib and main travelor off and in over 3 hours we only went over once. It does matter the size of the sail but not as much as the way you rig the boat. On the hobie 20's you dont have to let the main go to depower the boat you can pull the down haul on tight and the power just dies. Talk to the other sailors around you and ask how to depower your boat and all will be good.

Have fun and just get out there.