xACT for Mac only creates ffp's for FLACs, so that's all I do (well, it does shntool md5's but not whole-file md5's).
Actually it does, I believe if you choose shntool md5 and then cancel it (when choosing the files), the next time you press it, it will ask shntool md5 or traditional instead of fingerprint or shntool..... so cancel first, then try again.
I usually do both, and after reading this thread, I'm always gonna do both..... It hardly takes any extra effort, and different people have different preferences, so why not facilitate both? I didn't even realize md5s were easier to check.. huh.