You right Colas on every point you said.
But i was talking about Jaap's board. And my idea i expose here is : one fin, whatever it is , need a planning area around it to bring effect (gliding board).
So, once that said, the Jaap's center fin won't have flow of water so this "center tad" will have no effect because rear quad fins take the flow and lift up the tail getting the center tad out of water flow.
Useless i reckon and more: make drag
Have look on my board,( welcome to my place , too

) took several sessions trying all my fins ( i got nearly all FCSfins) in clean waves2,4foot clean, perfect waves to find the best fin combo. With this combo H3H2 this board become unbelievable , i'm stocked of this board/fins