Might as well educate people while I'm at it. I'm here to help bro.
I personally would rather use SSH/SFTP because they are the same tools I use every day in my job. While for most people iFunBox would get the job done, so would SSH.
With one terminal window I can have sessions open to my remote servers as well as my iphone.
And good luck actually doing any serious hacking (if that's your thing) without using SSH. Just because you personally can't see the value doesn't mean there is none.
And to the OP, I actually just install an SSH client (which I need anyway) and just SSH into localhost instead of installing MobileTerminal.