Hi, as above its fine to run with calorifier drained.
Fin rads work really well as long as they are getting the hot water through them, Is it possible the feed to the calorifier is causing a short circuit, starving the fin rads of heat?
Fin rads give off heat along their length, so instead of feeling the concentrated heat from say a 600mm radiator you feel the same heat output over a wider area. Providing the right amount of fin rads are fitted for the heat requirement of your boat you should be toasty.
Also bear in mind that arriving at a stone cold boat and turning on the heating, it is going to take a bit longer to reach temperature than if you had been on there for a few days.
Cheers
A