This is not a problem of just modern boats. Many boats from the 60s and 70s had genoas cut so low that they wore on the lifelines
. One of the solutions was to run the life lines to the base of the pulpit rather than the top rail of the pulpit.This left a slot for the genoa
to set in. This also left a slot for the foredeck man to go thru if the bow fell off of a wave. The lack of visibility of what is called a deck
sweeping genoa is a real safety
hazard and the only real answer for a cruiser is to have your sails
cut with reasonable forward visibility. A longer tack pennant and maybe a higher clew will not cause the chaf problem , and give you better forward visibility. Would you drive your car only being able to see out of one side of your windshield? Why would you drive your boat like that?____Grant.