4 fin designs are more stable when compared to 3 fins. To my understanding that's the main reason why MD designs have shifted to 4 fin designs instead of 3 over recent years. Also, 4 fins allows you to have less span/height and still be stable, which helps with reducing both drag and fin flutter.
That's just not the case when you look at Nic Lottering's design. He hit Mach 3.52 max V which is very similar to your sim prediction.
I 100% agree that fin can designs induce drag at the top of the fin can, but I don't believe they're so draggy that you'd leave that much margin on the table. Furthermore the fin can step would have a positive impact on stability which is very beneficial in flights this aggressive.
I, like you, don't believe sub min diameter is the answer for more altitude. And for the record Nic doesn't either (I've spoken to him at length about this in the past). With that said I don't believe they are more inefficient when compared to a 'classic' min dia design. My expectation is that all that effort comes out in the wash.
Finally, your NC is less efficient/more draggy at 6:1 that Nic's was given he made his own 7.5:1 design. That's going to negatively impact your post boost coast time when compared to his flight.