The debate only really commences when you can no longer fill a full-frame with the lenses you want to lug around or can afford. Up to that point and a fair bit beyond it the FF is capable of producing better images with lower noise and over a greater range of ISO.
P.S. I have always fancied a Maserati Quattroporte GTS for the drive to work I think it would be a bit more comfortable than any F1 and more practical than a Ferrari.