Issue: The tail gets loose during my harder passes
Excellent question @Krlee, and I'd like to address this in detail.
The generic WhisperFin setup is aimed at mid-level skiers and advanced finesse-skiers (I've seen a number of finesse skiers ride the generic setup into -41, but they're not mere mortals). For most strong and or advanced skiers, the generic setup doesn't provide enough tail support during advanced passes—as you've noted @Krlee.
When smear is perfect in earlier passes but gets looser as the rope shortens, it's usually because we tend to drive more tip into the water around turns in our harder passes. And the level of tail grip that was perfect while skiing with more finesse through easier passes is insufficient to keep up with the increased tip engagement. This is why it's important to tune our skis for our harder passes.
That said, don't try to calibrate your setup to your hardest pass (the one you usually fail at). Most skiers' technique degrades too much during their hardest pass, and ski-tuning in response to the resulting mistakes leads to comprised setups. Instead, focus your ski-tuning efforts on your second hardest pass (the hardest pass you make most of the time).
If you find that with the generic setup, the tail of your ski feels too slippery through your second hardest pass, you'll need to:
reduce tip engage by moving the fin's leading edge (LE) back,
increase tail support with a forward binding move or more fin area, or
both reduce tip and increase tail support.
You'll need video to establish if the tail is loose because you have too much tip in the water at the time, or if the tail is loose despite nice balanced tip engagement (with the water breaking between 4" and 12" ahead of your front toes. If you are regularly burying too much tip into the water (usually yawed tip engagement) then move the fin back to achieve a more manageable tip attitude.
If tip engagement looks good, then the problem is insufficient tail support. If the tail is too loose through mid-turn at max lean angles, then move the bindings FORWARD. If the tail smears nicely around the turn but doesn't stop smearing soon enough as you roll out of the turn (over-smears briefly into too much angle), add fin area, trying to keep the index marks equal.
Note that using binding location for mid-turn smear and fin area for turn-exit smear is for skiers whose hips are within 12" of the water around the ball. This advanced smear-tuning technique (and this article) is unnecessary for skiers not achieving max lean angles. Skiers who don't lean to extremes never roll their fins out of play, so all of their smear tuning can be done with the fin (reduce fin area until the tip starts to grab, then replace some fin area).
Don't let the resulting numbers constrain your tuning. Your bindings will almost certainly end up forward of factory settings, and fin depth (FD) may go as deep as 5.600+. I have one powerful pro at FD = 5.585 and the ski behaves brilliantly well into -41. This deep fin setting is largely the result of running out of forward binding movement. But it's important to understand that even at supper deep FD settings, roll resistance feels normal because of this fin's small size.
To summarize, it's perfectly normal for the generic setup to get looser as the rope shortens. And there is more than enough adjustability to dial in perfect tail support and angle out of turns for any skier. I encourage you to experiment, basing your changes on ski behavior, not any preconceived notions of what numbers you are seeing.