Completely depends on who I'm with. I found myself on an F18 in 35 (clocked across the deck) last year in the cold, cold Pacific without a care in the world - 'course it wasn't my boat.

Alone on the 4.3, I've been in 15-18 ('chute up) but my strength was sapped after only a couple of races - that's when I see potential for problems developing. Fatigue'll get you hurt.
My fave on any boat is 8-11, but I get psyched for 4, too.