You forgot to mention - Torque is hard - (thats for sure) and would be to use for most developers that frequent this forum - if you want to make a complete game with it you will have to jump up a whole level in all aspects of your game making including the spend and probably the number of people you have working on your game, or yo will never see it made.
Like most engines in theory at least it gets easier for indie developers to make games with and Torque 1.4 being due out - well who knows till it does so.
Use what is best for you thats the only way - if you can get the best out of sommething then thats for you.
Despite the limitations FPSC is still currently the easiest tool for making a complete game of reasonable quality.
If you want to make a click and play game quickly FPSC is fine - you wont do it with Torque.
If you dont want click and play and want to make a more original kinda production then use FPSC if it suits you and what you need do and think years.
Use Torque and think many more years.
You pays your money and takes your choice depending on how hard you want to work.
Gamemaking - once you have a gameplan - if you access that you can make your game successfully with any particular engine and have to choose which one then you have to balance the quality of the final production allowed by an engine against investment in rescources.
Irrespective of financial costs in the final analysis it comes down to time and effort for most indies - no time - forget it.
There are many young users at this forum so give yourself about 30 years hard labour and you might get there.
The thought of it.