I think the +- 5 degrees of deflection is optimistic. Sure in flat water it may be true, but the real issue is surfing in waves where you need significantly more rudder power and more deflection as well, and this forces you to have a rudder with several times more drag than what is required in flat water or slower speeds.
Now, maybe a rudder that can move up and down (be less deep) could be more useful here as it could reduce drag in light wind as well as work in shallow water. I need a way to retract the rudder anyway for this reason. The reduction in drag when surfing is less important since you are already going (too) fast. I do not care about low speed maneuvering as I use a sculling oar which gives me essentially the same control as an outboard that can rotate 90 degrees on each side.
I am also considering the potential increased drag where the two sections hinge. Not sure how to reduce this. Maybe a skin on frame rudder that can be flexible could work?
As for the 4 section rudder reducing effort to steer, it sounds more like a trim tab arrangement which moves the section in the opposite direction (thus increasing drag) to greatly reduce effort. Or maybe it just had less area? The rudder will be somewhat balanced to minimize effort.
As for thin foil stalling earlier than thick ones and giving more drag: This is true, and exactly what the articulating part hopes to improve by allowing larger angle of deflection without stalling with a thin foil.
I will start with trying to simulate cambered vs non-cambered foils somehow as I think this would be the starting point, and as mentioned it may very well not be worthwhile.
As for the extra complexity, sure it is there, but this is really trivial to so many other things. I dont have refrigerators, watermakers, engines, radar etc.. all far more complex so I really do not consider it to be the main issue.