You dont need to reef your main ever. Im 17 and i sail my 16 by myself way to offen and well i have sailed in 25knots with main and jib and i addmit its a bit full on but god dam its fun and you wont believe how fast reaches really are unless your one up in those winds

One last thing I have alost capsized my 16 and been able to right it myself and i only weigh 68kg and thats nothing. When righting a hobie it doesn't matter to much about weight its more the way you do it.