In my experience, a well tuned shaft will shoot just fine regardless of the feather configuration you choose. When a big broadhead is up front and your nerves come into play, the extra feather can really help.
For summer 3D I shoot lighter tips (and longer shafts)with 4" parabolic fletches. However, when the weather cools off, I have 240 gr up front and three 5" nanners on the rear. I tried 4X4 for a while and they shot fine...just seemed to make a bit more noise and could not tell any difference on target.
Wow, 87 lb? You are much of a man! I bet you will have a lot more fun (and eat fewer advil later) once you drop about 30lb!