RE: flight simulators
If we are talking about fixed wing starting, take a round and try a landing - i would say fms is not a bad choice. As soon as it starts getting a bid complicated like prop hanging, torqing, indoor flying, I feel that the borders of fms are clearly visible. If we talk rotary wing, I feel that fms promotes an idea of model flying that could be regarded as "dangerous" or at least "careless". Just imagine, somebody thinks he could fly a heli after hours on fms, he goes to a shop and get's a Rappi 90 carbon, tuned to the bottom - ... don't think about it.
I get your point: It's nice to start with, it's free, it safes SOME money. As soon as we start thinking about complex flight conditions, there arn't any free products on the market. Complex 3D flying, fixed wing or rotary wing, calls for programming that can't be done sunday afternoon with a few friends over a cup of coffee. That calls for professional programming, understanding of physics and aerodynamics. In order to let these folks get to an age similar to yours, we have to feed them once in a while. I'm sure you did not get to your age doing everything for free. At the age of 50, your lifetime food intake is about 17 tons plus abt. 23 tons of liquid - somebody HAD to pay for that!