Thanks, that makes sense. I wasn't expecting "high science" but really what gave you a feel that this was the right amount. Unfortunately I'm no engineer, so I was quite nervous designing my mast.
I'm trying to think what the failure modes are. What I can come up with is:
(1) topmast breaking/deforming at the top of the main mast
(2) topmast trying to pivot around the top of the main, and deforming the main in the area of your lower GRP belt (heel of the topmast pushing out the alloy tube of the main)
(3) topmast trying to pivot around its base, and deforming the top rim of the main mast, effectively ripping apart the alloy tube
(4) differential flexing between top and main, leading to failure of the glued joint
Any other failure modes?
I think the PJR formula is against (1), as the partners are assumed to be solid and immovable. I think I was more worried about (3) and (4). One reason I chose to have a close-fitting topmast, glued the entire length of the overlap, was to try to make them as much as possible behave as a single, solid unit. (Another reason was that I didn't think of using GRP belts!). I agree with you that the longer the overlap, the greater protection against all of those failures.
Sorry if I seem to be thinking aloud at you - I'm finding it very helpful to understand what's going on with a hybrid mast!