I really never had a problem with the fluorocarbon, but also never saw a benefit with it either. Never had one cut through by a fish, but had some come awfully close. Requiring an immediate change.

I still use one occasionally, but pretty much because I own them. Mostly on a small bucktail. Definitely would not use on a Cowgirl. The first time I did, I had a failure not at the crimp, but at the tight bend in the loop that the crimp creates.