SkullDeformity:
Women have lower SAC than men, unless she is 300+ lbs, which I doubt, she will most likely have a better SAC than you. Split fins are overpriced training wheels.
This sort of generalization isn't helpful ... either to the OP or information for new divers in general (on either topic).
Fact - many women have better air consumption than their male counterparts due to their smaller size. That is not always the case, however. There are a lot of variables that go into air consumption rates, and size is only one of them ... and not the most important one. For example, I'm larger and much heavier than Cheng (my primary dive buddy) ... and yet I have better air consumption. One of the biggest reasons for that is that I dive much more often, and have learned how to be very relaxed in the water. Even when conditions mandate some effort, I'm generally working less hard than whomever happens to be swimming beside me ... because I've learned how to do it. That's perhaps the biggest factor in air consumption.
Fin choices have little to do with air consumption. Cheng uses split fins ... and I used to. I put over 650 dives on mine ... in all kinds of different conditions ... before trading them in for a set of Turtles.
A lot of what I'm reading in this thread is either marketing hyperbole or utter BS ... and while everyone's entitled to an opinion it isn't answering the OP's question.
My experience ... split fins have their place in recreational diving. But like every other piece of gear out there they have their upsides and their downsides.
As someone (I think it was Howarde) pointed out ... they are a very attractive option for a newly-certified diver. Most people generally learn only the flutter kick in OW class, and splits use the motion of a flutter kick very well. That's what they're designed to do. Because the split fin is much softer than a typical paddle fin, it absorbs some of the kick ... and therefore it has less resistance ... which reduces the tendency in the newer diver to cramp in the foot and calf muscles. That's the good news. The bad news is that the same design that produces that effect also makes the fin a less optimal choice for sculling type kicks that produce glide. Oh, you can learn those kicks and use them in splits ... but the motion is less efficient and you'll get less glide per kick. The fin's just not designed to optimize that motion.
When I was using splits I could frog kick just fine ... and on our recent trip to Cozumel I got video of Cheng frog kicking in hers. If I get some time this evening I'll download one of those videos and post a link here. What you'll observe is that (a) she uses more knee motion than is needed in paddle fins (where you use more ankle motion), which requires more body movement and therefore energy, and (b) the kick isn't as efficient as you'd expect (producing less glide) with a paddle fin. But certainly it can be done.
When I was using splits, I also developed a pretty good helicopter turn ... although it was more like turning in small circles than pivoting about an axis. I never succeeeded in doing a back kick ... the design of the fin simply caused it to concave and absorb all the motion of the kick without producing the desired result. But if those kicks aren't important to you (and they wouldn't be for the typical recreational reef diver), then the advantages of an easier kicking fin might be desireable for you.
The notion that splits create more silting is absurd ... silting is created by poor technique, not gear choices. We know something about silt here in the PNW ... one of our most popular dive sites is famous for it. And, frankly, I see people in splits who can glide along inches from the bottom without stirring up a speck ... and people in Jet fins leaving pock marks in their wake. The trick to not kicking up silt is to maintain good trim, keep your fins inside the slipstream created by your body, and keep your knees slightly bent so that you send the displaced water backward instead of downward. And you can achieve those things with any fin that's available.
My 2 psi ...
... Bob (Grateful Diver)