I suspect the rig correction factors have been arrived at through experience and time.
At 0.91 its time to step a broom stick with a token 2 sq ft of rag on it down aft on your sloop and call it a yawl. What does the rule say about % division of SA?.
Better still lash your broom stick to the pulpit and call it a schooner.
Nah second thoughts that will probably determine your spinnaker size.
I can't find anything written about minimum main/mizen mast ratio to qualify as a yawl/ketch.
I'm sure if you pushed it too far the race organizers would just call you a sloop.