I've never used it, my wife and I are the onlyone that have access to our machines. They contain nothing of use to anyone. If someone want to access 1000's of boring photo's of our trips to Chester Zoo, the sad buggers are welcome to them.
Not everyone needs it. I am sure to those that do more with thier machines it is crucial and a very helpful added feature.
You understand FileVault is completely transparent once enabled, right? There's nothing "to use". If you machine ever got stolen, you'd be protected. Yes, there's a lot more on there than boring old photos.
One minute of your life is not worth the risks, I say. Turn it on.