Yea Polars are not so complicated in there us, and yes you are 99% right its about hull and keel, but also speed. However when sailing of course the Hull and shape in the water changes (ie water line length for example), as does the power provided by the sails, the sea and the current. Polars are one of many factors and typically the only one not readily available to tell you the best way to go, to make the best VMG. So when you have or create polar, and with some software you add this to known SOG (for your boat) to a given wind angle and sail set, then combine that with the current, which is already known, the wind strength and direction ( already known), you now have 99% of the tools to produce the best possible VMG to a known way point or route. It is interesting and I am by no means an expert, but it did teach me not to pinch the wind as much, and has given me a vague rule that in my case for every 10 degress I am off my run line I must go 1 knot faster to arrive at the same time. If you have the current and tides and your software can deal with all of this, you will find you will leave at different times and travel in different directions to that which you probably otherwise would have gone. I need to play a lot more in this area, and typically only do it for interest at this time. Im in no hurry.