A good chunk of my class got UWorld towards the end of the summer to use for MS2 1st semester. Most seem to like it, but most also think that they'll reset the bank (you only get one reset) around January (semester 4) when they actually know the material they're getting asked questions on. Because when I talk to these friends of mine, most agree that the questions are generally out of our knowledge range, and if they are within it, they don't help for our tests very much. But, that's just my impression of a cursory discussion on the topic with them.
FC is getting hard to justify price-wise, I hear you. But I think the ideal transition to Qbanks is around January of MS2. Consider getting an FC subscription that lasts that long.