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mathew said..NCUSAGUY said..sailquik said..Mat, I don't think NCUSAGUY's goal is to go faster. I think his aim to to keep speed down to enable control in the rough water.

Yes, exactly my point, which is the same point I tried to make to the "wingsail" guy - one sail isn't going to cover 15-40 knots. Chop in 6.4 (17 knots) wind is minimal compared to 4.5 wind (25 knots). I go for speed, but if I am on the edge of crashing, then I rig down for more control. It's not lift from the fin that's the issue, it's the speed and pounding in the chop/waves where at some point, there's a high potential for a crash.
Actually, I use my 105L board with my 6.4, and 6.0. I jump down to a 96L board for my 5.2, 4.5 and 4.0. The smaller board has a smaller fin. I have two larger boards and each has it's one fin, so I basically cover 10 knots to 30 knots with four boards and four fins.
So... rigging a smaller sail is suitable for stronger wind, but not a smaller fin ? Hmm... I like your version of Physics, your ideas are intriguing - I wish to subscribe to your newsletter.

You are on a smaller sail which implies it is windier. Get yourself a GPS and measure it - I would put money on it that - even with a big board and fin -> you wont be the same speed, you will be faster.
So a smaller fin (up to a limit, of say spinout) will then give more control. Which means you wont be on the verge of crashing.
I have been windsurfing for 35 years and have carried a GPS on EVERY outing during the last 9 years and recorded top speed, average speed, distance and moving time. While I am not a speed sailor, I rig for control and if at times, the chop lessens and the wind is strong, I will bear off for a bit to see how fast I go. I don't rig bigger than needed, or do I use smaller fins or smaller boards just for speed.
I seem to have a limit on speed, with skill, age, equip., and venues being the limiting factors. I have achieved speeds between 30 and 31 knots 18 times with 31.02 my best (3 different times). Most of these were on my Starboard IS 111 with either my 7.6 or 6.6 race sails. The remaining were on my 105L Hi Fly bump and jump with either a 6.0 or 5.2. The site where all of these speeds were recorded has a small bay (200 meters) that is somewhat protected and at the end of a 1/2 mile reach. If the wind wrapped around into the bay, occasionally, I could get a short speed run.
My version of physics is that if my board with an overpowered 6.0 sail (COE stable, but hard to hang on to without sheeting out) is at speed, and is pounding me to the point of loss of control at around 25 knots of board speed, I need to do something. So if I change down to a 5.2 sail on the same board and fin and could achieve the same speed with more control (able to sheet in and close the gap with more pressure on the mast foot), then why use a smaller fin? Same board, same speed, same water state, (smaller sail) = same fin. I don't think changing to a smaller fin if overpowered on the 6.0 would accomplish anything, unless the fin was too big to begin with. More speed doesn't equal more control. I raced long boards and formula for over 30 years, so I know about big fins and lift. When a board becomes "squirrely" because of a too large fin, I know what's happening. For a while, I raced a Bic Techno 283 and used three fins for different sails, but I was racing upwind and downwind courses and need the max upwind potential without losing control on the reaches or downwind. I used sails from 9.2 to 6.0 on that board.
If the chop is comparatively small in strong winds, and I wanted to achieve faster speeds, then a smaller fin (less drag) and a somewhat overpowered sail would make good sense. Anyway, we all do what works for us and there is no perfect answer.