Hi Notwal,
The rocks thing is easy, just run a strip of fencing wire down the leading edge, file to the right profile and bob's yer mothers brother. You should be able to do this on a fibreglass fin as well.
You're almost right with the articulated idea. I want to run some stiff steel down inside the leading and trailing edges, and make the rest of the fin out of flexible nylon, those white chopping boards would be about the right stiffness I think. This means that the fin should get a camber on it as you push against it, in a similar manner to an old dacron sail -- the leading and trailing edges stay tight while the middle bellies out to give you some form of asymmetry.
The nice thing about this design is that it's totally passive, no moving parts.
The hard part is making it strong enough, although with the right diameter of steel rod this shouldn't be too much of an issue. It all comes down to engineering now