Alright Alex, you convinced me, I don't need FF. Good, now I can spend money on other things such as health insurance, dental plan and retirement fund instead of saving for the next big Nikon toy

I can see FF being useful when shooting higher ISO as you can have less noise at the same resolutoin as cropped sensor but I am not sure when was the last time I shot anything above ISO200. Certainly not underwater so I suppose it is one of those nifty feature that I don't really use.

Alright, I will change my dream a bit, and 2nd D2X and 2nd housing and a dive caddy to carry all the cameras for me underwater