I do not believe that no toe side fins have more drag. this has not been my experience with my own boards nor has it been a view presented to me by any shapers i have spoken with including the ones that shaped the boards getting sold in shops. i'd say that if shapers make a big deal about this are probably shilling their own products.
this is also not a view held in the surfing world. tow-in boards have no toe side fins as one example.
to be honest side are rarely set at zero degree anyways. usually there is a minimal toe (1mm) due to construction tolerances to avoid fins that toe outwards.
i do believe, that adding toe does improve the maneuverability of a board.
lets remember, a windsurfer is not a thruster surfboard. a windsurfer needs to be able to sail in a straight line at speed. this is also the reason why windsurfers are 2+1 fin setups and not thrusters. (a thruster gains speed by turning.)
most people would find a true thruster setup unusable with a rear fin that is too small. hence why rear fins are bigger. i'd actually say rear fins are sized to suit your average punter who need a slightly bigger fin.
some reading links below.
www.jobsurfexperience.com/blog/everything-you-need-to-know-about-surfboard-fins/#:~:text=Unlike%20twins%20and%20single%20fins,slower%20sections%20of%20the%20wave."thrusters lack drive and must be pumped heavily to generate speed through slower sections of the wave"www.blinksurf.com/general-discussion/why-are-side-fins-toed-in/"So this is turning the side fins away from the center stringer. This will increase the surfboard's speed and drive"