Jason - a great summary. Here is a trick to get a better rating, and prevent being overpowered. When racing single or double handed, I get a certificate for using the #3 jib only. The #1 is usually overpowered without the crew weight, so you might as well get the credit for just using the smaller sail. The
PHRF-NB rating with just the #3 is 150 spin, 173 cruising versus 138 spin, 155 cruising with a #1.