The vertical stabilizing surface of these elements is really insignificant to the entire surface of a board. Combining drag coefficients is done with the wetted surface area.
In truth there's some contamination from the upstream flow. Stabilizing elements are behind the center of pressure, so they will see the most "diry flow"
You are thinking about a slow boat in displacement mode, or a wave-surf board with very small fins.
But I can tell you that the wetted surface area of my wing-foil board is exactly zero after takeoff, and all wet surfaces of the foil are, for a significant percentage, in laminar flow. Same for a windsurf board planing: just the last 50cm of the board is touching the water and the fin is extremely significant for drag.
I have 2 foil drives for wake thieving and a SUP for downwinding and I’m just excited that someone on HN is talking about foiling. Such an underrated sport.
In truth there's some contamination from the upstream flow. Stabilizing elements are behind the center of pressure, so they will see the most "diry flow"