I've got a 4 with the center fin. When the water is flat, ride the board flat and push against the fins and it rocks up with crazy. But you can't ride if flat and downwind, or even toe side, cos that center fin still wants to do its job and turns the board away from you the whole time.
Also got a v3 -- or maybe 2 -- that I though had broken but was still going strong years after I "replaced" it. It was actually pretty good in the waves, first "halfpipe" type experience I had was on that board. It was easier to edge and control it than the 4... in fact, I wore the fins down to an inch or so, riding into sand. Still worked fine.
To get it through chop, load up your back foot more. I found that moving the pads out to the widest setting really brought the board to life and made chop, jumps etc feel a lot less like you're riding a door at all...
Foil is easy to get to the point where it's a light wind solution -- plenty of help out here if you need to get specific about your problems