On a 37' boat you shouldn't need a winch to furl. You almost certainly have some kind of problem, there's friction somewhere in the system. If yours feels really tight ask your neighbors if you can try theirs, get a feel for what it should feel like. Make sure to ease the sheets and halyard before furling. It requires a good pull but not a winch. If you're winching then you're putting a bunch of strain on parts that aren't designed for it.
I lost the bearings from the deflector wheel as it was a foolish design whereby they are puched in from the bottom. When then the halyard is too tight the line can get tangled and make it impossible to furl. Then first release the tension. So check the deflector wheel if it is located correctly.
This wheel has become obsolety and is replaced with a new type from Facnor.
A less obvious cause of furler difficulties can be forestay tension. A forestay and hence furler foil that sags off going to weather will create differential loading on the foil bearings along the forestay creating more friction when trying to reef at this point of sail. I'm assuming sailing vs. powering dead into the wind.
An error that came up in these here parts was lubrication of the furler bearings w/McLube. As it turns out (at least on our boat) we have "Torlon balls" and lubricant makes these increasingly sluggish and gluey, to the point that the upper swivel can cause the sail to cease furling (a Bad Thing). They're intended to run dry.
Soaking the parts in a bucket of warm water w/detergent and then exercising them while submerged in the solution fixes that particular problem*. The bearings will loosen up to the point that the parts will spin freely. Failing any of the other excellent suggestions above, maybe something else to investigate.