Folding should be done in relatively protected water
I wouldn't want to do it in waves over 1 foot.
That said, is it a requirement by the harbor/marina or the physical size of the opening?
I regularly sail
mine through a narrow jetty into our neighborhood's canal system with only 2 feet clearance on each side. Once inside, the wind
drops, I furl the headsail, continuing on to the inner end of the main channel where I turn upwind and drop the main. After rigging
lines and fenders, I start the engine
to my dock
about 100 feet away. It's not for show, it's just easier than dropping sail and rigging
fenders and lines out in the waves and tidal chop.
Note wake in picture. I was doing about 8 knots when the photo
was taken by a neighbor.