I don't think there's anything more than the added complication, which I wouldn't dismiss. If you have a need for the FTS service to really have different rights, then do it. If not, I'd stick with Service/FTS on one account, agent separated out.
For me, once the initial account creation has been carried out then it shouldn't require anymore administration apart from if the worst where to happen. I was considering a seperate account for each service so that any account compromises would be localised.
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