I hate riding finless. The only time I take them off is when I'm at a cable park hitting nothing but rails and booters. I guess if you don't do much wake to wake it is easier to do cheater shuvits finless. I prefer to pop all of mine and need the tracking to land wake to wake tricks. I have a couple friends that ride with one fin, I didn't like the sketchy feel on w2w 180s, but they don't mind. Just try both and see what works best for YOU.
I've only been riding for half a year and I already know how much better no fins are. If you have fins take them off... Unless your afraid of falling off b/c u think the danm water is to wet and slippery