I have a cross117 and it performs as described by Paul (frm WA) it does however transform to a real slashy board with a fin upgrade - The upgrade fin I have is a Wardog 10" freeweed

The transformation is amazing, the board is amazingly lose without spinining out. Great for b&J in heavy chop conditions and probably wave riding. current exchange rates makes it a viable proposition.
I have thought about the Naish All Terrain on occasions for a 95l board (Kombat replacement), but lack of feedback from other users makes it a hard choice.
I also have a Kombat 95 and share your pain regarding the fin - I havn't had much opportunity to ride it last summer due to the lack of wind coinciding with my sailing availability - I have used this fin (30cm) though as a good permance upgarde with lighter conditions with my 5.5/6.3 sail.
www.windshack.com/products.php?cat=windsurfing&scat=4&id=63I probably won't upgrade the Kombat just yet, as the amount of time I have it on the water dosn't justify replacement - but if I did I would seriously consider a smaller cross with a slashy fin.
Try asking Al Green at Caloundra City Sailboards for his opinion as he sells both the Cross and Naish.
Cheers
www.caloundracitysailboards.com.au/