I've never used splits before, so couldn't really comment with authority, but you still get a good, stiff blade with the F2s, so I'd say you lose perhaps 15-25% efficiency over a big power fin. I still happily use the F2s in mild to medium currents, and could use them in heavy current with no real issues like I'm led to believe you get with split fins, it just so happens I had a larger "power" fin available to me most times, so it's all relative.
I don't think you'd regret the F2 purchase for your described diving.
I don't think you'd regret the F2 purchase for your described diving.