If I could pick only one headsail, and no furling, I'd get a 110% or so, and then I'd put a reef in it, high up, and then lower down, I'd put a zip-off reef like the Pardey's have on their BCC. So, from 110%, down to say 85%-90%, winds still easy to handle zipping off something, then a reef for down to, say, 55% or so. Heck, put in a third reef for a 30%, by then, you should also have third reef in main.
Right now, my 135% rolls in to 110 or less after about 15k, then goes down one % per knot, har har!
It's your comfort level really. THe minute way too many things are falling down below is when I start to reef. And when I am hanging on as she is heading to 35 to 40 degrees, I'm thinking third reef, just for comfort's sake!
“You get a boat for only one reason, because you want one. If you’re worried about being practical, forget boats.”