Jessica, sorry for the slow response, but I ride my 03 without a fin and rode the 04 without a fin. I like a loose board, because they release a little better off the wake, not to mention you can slop out alot of your landings. (Ask anyone who's seen me ride.) Therefore, I couldn't imagine riding the 04 with the center fin, it would be even stickier yet.
I found riding finless has made me a better rider, it teaches you to use your edges and not rely on the fins for leverage. I've been preaching this to all my buddies and so far I have 4 (excluding myself) converts who ride the Premier without a center fin.