mathew said...
Water is 800 times as dense as air, so anything that gets hauled through the water will be the dominant drag factor.
For example, land and ice sailing is easily capable of 150kph, so its quite clear that the drag due from the human will be insignificant for water-sailing at the speeds that we currently achieve.
Since the fin is being pushed through water with some non-zero angle of attack, it will be the highest drag component; the next highest would the be part of the board that is in contact with the water.
What Mathew is referring to is skin friction.
Skin friction is all part of the drag equation.
But the geometry of the object in motion (rider & rig) has the greatest effect on the amount of drag.
For example,
if you bolted on a sheet of plyboard square to the front of your mast,
the induced drag would probably be greater than the lift generated by the sail.
In other words, the forward motion would be zero.