at the performance envelope of the vast majority of our reloads (including N5800s and O3400s) I would say they're entirely unnecessary. I also think they're substantially draggier (specifically the bolt on ones) when compared to composites with clean fillets. This doesn't show up in sims though as people don't model the bolts in simulation, at least from what I've seen.
A properly designed and appropriate thickness CF fin will survive a Mach 3 boost without even requiring t2t, only fillets. Basically you're worried about two things at those speeds; flutter and damage to the leading edges. Flutter is mitigated by appropriate thickness, leading edges can be 'hardened' without requiring the whole fin to be aluminum.