I find a fin definitely helps with tracking. You can ride without one, and lots do as people have pointed out above, but it is a lot easier to ride with a fin.
Have any local shop, throw a futures box or FCS plug in the rear and use a MF1 or nubster style fin. This is quick, inexpensive and keeps the integrity of the board intact, since it is all sealed, and not a set screws going through to the deck.
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