"The mast will be located on the top of the brass keel and also restrained where it passes through the cabin roof. "
What is going to transmit the force from the fin to the mast? As described by both Ray and myself earlier, ideally the fin and/or its fixing passes through the hull bottom and goes to a fixing at or near the deck. The mast going down, through the deck to the hull bottom forms the required overlap. No flexing force on any part of the hull.
A deck stepped mast requires rigging strong enough to hold the mast up against the wind forces, and a strong enough hull to transmit these forces to the fin without buckling the hull (been there, got the T shirt). Looking the other way, a fin that effectively stops at the hull bottom needs the rigging, but can't have it because it is under water. The fin itself can terminate at the hull skin, but does need a strong rigid member to pass upward to the deck to benefit from the support that the deck beams will give (or even just the deck itself).
The force of the wind on the sails is opposed by the weight on the other end of the lever. While it is finding its equilirium, the surface area of the fin acts as a damper. A sudden gust can put a surpising amount of force on it, and whatever it is fixed to.