I bought a finless one for my daughter recently and it is a lot of fun. I think I may be a little bit too big to stand up on it, but she is under 130lbs and can probably stand. I have played around on insiders with it and find it faster and easier to catch waves on than a regular boogie board.
As is true with most toys bought for kids, dad will play with it just as much if not more than the kiddos.
If you go finless, you can still skim it, boogie/knee it, and use it on surfing-restricted beaches (like in OCMD). If you are nimble enough to stand on it, the possibilities for 360's boggles the mind!