A lot depends on the boat and the rig. Some boats have a really big main and a very small jib, and by the time you've got that jib rolled up all the way you probably don't want any sail up. I've found that the rolled up jib all by itself provides a fair bit of sail area when you're headed downwind in an offshore
gale, and with that much wind I'm not usually inclined to set sail anyway. Yes, I have had a cutter
rig, and it is great in heavy conditions because you can snug down to a small staysail and a heavily reefed main. I had a tough 30-footer with a nice inboard cutter rig and several times we went to windward with 35-40 knots over the deck
, but it was a very rough ride. Most people wouldn't want to do that for long, but if the chips were down you could. My guess is that 95+% of world cruisers with a sloop
rig and a roller furler
never use anything but the main and roller genny, with some use of a light-air drifter or spinnaker
. Put triple reefs
in your main.