For what it is worth, I recently bought a new ‘Banks’ cruising sail. To say the firm were friendly, helpful and professional would be an understatement. They really know their stuff and nothing appeared too much trouble.
I went for two lines of reefing points, with the first reef above the first batten. This gives me a nice deep reef, and as I usually sail alone, keeps the boat nice and level up to a F4 (with a suitable reduction in my furling genoa as well).
Good luck and I hope this is of some use.