I think I’ve got it!
In order to make my own fin design, I have to rethink the entire approach and design it with my own fin tab.
What I have come up with is going to solve multiple problems of current fin design, especially the problem of predetermined breaking points (to protect the fin box and board) and to reduce the injury risk to the surfer and other people in the water.
The fin tab does not need to have a fixed pin (at either end) to hold it in the box. This is only required if the fin would be lost if it falls out after being bumped. It is not so much an issue if the fin floats on the water surface after coming out. It could even be tethered to the fin box with a bit of fishing line if frequent fin loss turns out to be a real problem.
If the fin comes out when it is being hit hard from front or aft, then neither the fin nor the box would break in many (maybe in most) surf accident scenarios.
In order to fully retain the placement options of the fin in the box (i.e. the new fin with snap-in tab can be put as far aft or forward as a standard fin), the fin tab should be symmetrical and as long as the previous tab from tip to end. But there will be no thinner part (where the screw usually goes) at either end. Multiple ball spring plungers all along the tab length will do all the holding (combined with a tight fit in the box to start with).
I’ll make a prototype fin tab from laminated marine ply and carbon/kevlar mesh and epoxy, with a rudimentary fin on top, and then insert the ball spring plungers. Once this laminated tab works well, I will make a mould of it in Pop, and then cast a couple of sturdy tab / fin holder tools, which have the purpose of having softer material cast onto their top (the actual fin area) later on (the re-usable ice cream maker paddle-pop approach).
Once I have these dummy fin bases (DFBs), I’ll make a fresh Pop mould of them, which is large enough to contain the entire fin that I want to shape. After removing the DFB from the fresh Pop mould, I’ll scape out a rough shape of the fin, a bit thicker and larger than the planned fin.
I will then place the DFB into the mould and cast Pop (maybe with some additives) into the mould.
What comes out will be an over-sized fin on a perfectly shaped fin base, with markers for the correct locations for the ball spring plungers. The tab will be sturdy enough to be put in a vise, and the fin top soft enough to easily shape it by hand. Once it has cured fully, wet sanding should be an option, so that this method can be used inside the house with little mess.
Once the Pop fin is shaped on top of the DFB, a final mould will be made of it and then the actual fin making can begin.
Because I now know that I can make a very good and light fin if I have a good mould of it, it is worth the effort to shape my own fins.