Well put. The reason I favour full frame over cropped is two-fold: shallower depth of field and better ISO performance. For me, that's worth the price difference.
With the emergence of the Fuji X100T, the X100S can be had for a relatively low price on the used market. The Fuji gave me what I wanted: a compact, discrete camera that rivals, if not betters DSLR image quality. I took the Fuji on our honeymoon last year and I did not feel crippled in any way, and took some fantastic photos while not being encumbered by a heavy DSLR.
Macro-wise, it is acceptable. The shutter lag of course is the one disadvantage but it really isn't that bad once you get used to it.
Another good camera I have had experience with is the Olympus OM. More flexibility than the Fuji but a bit more bulky and I daresay the Fuji has better IQ.
Another thing people often miss is the importance of a good tripod. Instead of spending all the budget on body/lenses/etc., a nice tripod can do so much more for photography. Definitely a worthwhile investment and the technology never goes out of place, unlike cameras and to a lesser extent, lenses.
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