Hi bonnie ..if you are only flat water paddling you won't notice much difference ..at all..
the two side fins on the 9.5 is so you can ride higher on the face of the wave .
the three fins on the 9.5 will also make it more stable for you .its also is a wider board ..so easy ...
I also have two lady friends who have the 9.5 Alana s and they are over the moon with them ..easy to throw on the roof
short to carry ,and nice colours ...I don't think you will be sorry if you buy one ..I think it also will be easier for your husband to ride
being wider ..also the 9.5 will be easier to manoeuvre....it really is a great little board ..both are good .10.6 ,9.5 .
9.5 ..I think will be the easier of the two to ride and play ..
tardy