Cramps are poorly understood, even by experts in neuromuscular medicine, and Ive talked to a few after having some bouts of terribly painful cramps (not from diving). Certainly mineral imbalances can cause them, but Ive found you rarely find such in patients with cramps, even those on diuretics who are certainly more prone to cramps. On the other hand, we can only measure blood, not cellular, levels of sodium, potassium, calcium, and magnesium (the ones we know are involved in depolarization of cell membranes, which is what leads nerve cells to fire and cause muscle contraction) and it may be the various concentration gradients between cell and extracellular fluid which causes abnormal depolarization. Or there may be other factors causing changes in the channels within the cell membrane that allow or prevent these ions from moving down their concentration gradients. Lactic (not formic) acidosis from vigorous muscle use can be a factor. Or it may be more related to the tone of the motor nerves coming from the spine. See
http://www.physsportsmed.com/issues/1999/11_99/schwellnus.htm
So what might you do? Bananas are a good source of potassium and magnesium, but my personal and reasonably successful program is to use magnesium pills, or (esp. for females) combination Calcium/magnesium (often available with zinc as well). Tonic water contains quinine, and old remedy people have used for nocturnal cramps for decades. It was the main ingredient in OTC anti-cramp drugs until the FDA made it prescription only about 10 or 15 years ago. And besides getting and staying in good condition, think about warming up and stretching those muscles before diving.
Suggestions re fins: I have used standard paddle fins, Force Fins, and split fins (I own both graphite and black Twin Jets). FFs are definitely easier kicking than standards, but split fins are incredibly easier. Although the blacks are slightly negative and stiffer, the graphite slightly positive and more flexible, I dont find a great deal of difference between them, esp. when compared to other styles. I know theyre costly (and yeah, I get em at a discount), but theyre wonderful. Anecdote: I was on a trip with a regular buddy, he in his Avanti Quattros, me in my Twin Jets, snorkeling a long distance back to shore, and he nearly exhausted himself trying to keep up with me. As soon as we got home, he went and bought split fins and has been quite happy with them.
Good luck.