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Lucy, you are a beginner and learning the basics, if you are uncomfortable, I would just reduce sail area and put in a reef, or two, roll-up the genny a bit, even if you do not "need" to, sure you will loose speed, but that does not matter now, reefing, or reefing 'too early', will allow you to build confidence in helming the boat and managing the sails. Sailing should be fun.
Also, keep in mind that not all boats sail well with excessive heel / rail in the water, some boats should be sailed relatively 'flat' while others can track well at 25+ deg of heel, the key is to balance the boat and helm, sometimes a boat is faster and has less leeway with reduced sail area rather than sliding sideays at 35 deg of heel.
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