To further clarify. The image without the figure would be a fine image that wouldn't need a crop to work but because the figure is the focal point to make it work then the figure has to be bigger which means a crop would be advantageous?
I appreciate your (and everyone else's) input here, and have given some thought to the basic point of the figure in the lower right. A couple of things - first, I'd argue that the figure is important to the image, but not necessarily the focal point and rather just another element like the tongue of land, or the wave itself. The figure adds context and is a touchpoint for a human element, but I don't see this as a surfing picture
per se, but rather as a oceanscape in which the human element is one aspect of the landscape as a whole. The surfer is being shown in context, but the context is the story, not the surfer.
The second observation I have is that I tend to use this convention quite a bit - I am apparently fond of a small element offset into a corner - just enough to provide the larger image with a reason for being. For example (ignore the halos please - this one isn't done yet
):