Congratulations Ron, you will love your boat.
I have been through all the ideas about dealing with the lowered sail. In the BayCruiser there is a fundamental difference. There is a cabin. with the BayRaider, if all else fails, you can dump the sail, yard and boom in the cockpit and sit on it. With the cabin in the way you can't do that, there just isn't room. I thought of stowing the yard as Claus describes, but again, with a cabin that would mean climbing onto the cabin roof in just the conditions where you would really not want to do that. So in the end we plumped for a solid, Bermudian mast (carbon fibre in two pieces for transport), with a roached mainsail for increased area. We also decided that the sprit boom, which I love, just wouldn't work either as it is so difficult to stow the sail on it. In the end we settled for a conventional boom at the bottom of the sail, which works fine, but you have the extra fiddle of the kicking strap, which the sprit doesn't need. I have rigged lazyjacks which catch the sail and hold the boom up. It means that when I stow the sail I go through the following:
-Loosen the main sheet (in truth I nearly always forget that)
-Loosen the kicking strap
-Tighten the lazy jacks (I can actually haul them right up so the boom is cocked up above standing head level, which is great for motoring)
-Drop the main sail, which comes down under its own weight if I am facing right into the wind, otherwise I may have to grab a bit and yank it down. It all settles on the boom between the lazy jacks.
-Tie on a couple of sail ties just to keep it neat.
Everything happens above head level and the cockpit is empty. I can sail quite happily like this with jib and mizzen.