Hi PG and Nik,
I was not "pessimistic" but rather a little conservative.
If you can only have 2 sails, the I agree with PG, for 14 knots -20 knots at 95 kilos, on flat water I think
I would want an 8.5 and a 7.0.
If you add any windspeed over 19-20 knots, for a recreational sailor, I would then suggest 8.0 and
6.5 (maybe even smaller if the sailors skills are not fully developed enough to sail comfortably in
Add a third sail and it becomes real easy.... 8.5/7.0/5.5!