Here we go again... My old formula is;
Score out of 100. 100=highest score...
Paddler - worth 75% of your speed. *
Board - 20%
Paddle - 4%
Fin - 1%
75/20/4/1
or;
70/25/3/2
or;
70/22/5/3
Those orders of magnitude anyway...
Example...;
Quality Race Boards would rate 15-20.
Quality Paddle, 3 or 4... old adjustable paddle, lets go with 0.
Quality Fins - .75 to 1... dodgey old Plastic Windsurf Fin, still gets a 0.2...
Different fins will play with your mind! More than play with your speed or handling.

* Paddler...
70% is probably base fitness / training / endurance
15% relates to being a light weight - small strong guys seem to have a slight advantage
15% relates to experience in the conditions on that day