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Gorgo said..
Is there any noticeable efficiency to be gained from just having the foil there? Are SUP foils fun to paddle to a distant break, or even just for the hell of it?
No, the foil just adds drag. And if you raise the angle of attack (rock the board), it provides lift... but with increased drag.
If you plan to foil later, paddling around with the foil is a good idea, as it changes the balance on the board, it is useful to take the time to get used to it. After some time you learn to use the foil as a big stabilizer to be able to use narrower boards than normal.
Plus learning to carry the thing, getting in/out the water, etc... needs practice.
If not, it is not fun by itself.