It really depends on the boat. Some fractionally rigged boats get most of their power from the mainsail. Masthead rigged boats often had much larger genoas and got more of their power from the headsail.
However, some boats can sail well with just a main, others with just a genny, and others require both sails. This is often determined by what boat your on, the sails it has up, and what point of sail you're trying to sail along. Sailing on the genny alone is often much simpler if you're sailing downwind.
IIRC, the Club 420 is about a 3/4 fractional rig or so, with a very small headsail area. The jib is about a third of the size of the mainsail from looking at this image.
The center of lateral resistance is determined by the underwater profile of the boat's keel and rudder. On centerboard boats, this can be shifted slightly, by raising the centerboard slightly, which tends to move the CLR aft. On keel boats, this is pretty much fixed.
The center of effort is determined by the sails that are in use. On most boats, using just a jib means that the COE is going to be forward of the CLR and that will tend to leave the boat with some serious lee helm, and it may have difficulty sailing to windward.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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