Biggles78.
Very heavy, lots of interference, tiny wing. I'll be honest, we never flew the aircraft with just underwings but, after all this time, I can't remember if it was even a cleared configuration.
A lot of people who had back seat rides as "guests" came away thinking the 104 was horrible to fly. That was because if you flew the 2 sticker as part of a formation, it needed 4 tanks to have the fuel to complete the normal single stick mission. Consequently it gave the wrong impression about the aircraft.