UB's always been solid with their payouts.....only issue i ever had was last year when the feds cracked down on their processor, i ended up with a couple worthless checks, but they did credit it back to my account plus gave me an extra hundred bucks.....since then i've always cashed out via WU, and it never takes more than a few hours to get the info.....
as far as FT, yeah, there's a lot more players, i just wasted 4 1/2 hours and outlasted 17,000 people and still failed to make the money.....think i prefer the smaller fields