How hard, or how dangerous, would it be to head up into the wind to put in the 4th reef? Alternatively, could you take the main down completely and sail with only a storm jib?

Dear Robert: In fact, if we’re sailing downwind, we do have to sail back upwind to be able to put a reef in, whether it’s the 1st, 2nd, 3rd or 4th reef. If it’s the 4th reef, it means it is very, very windy and stormy out, so that will be more...