As to FRCS -- I don't own it, but I've looked through it often enough. Sure, it's got some crunchy stuff, but doesn't it mostly have fluffy stuff?
I'll get to the FRCS in a minute, but first...
I think you're using the "fluff" term in a way that perhaps doesn't apply here (with it's derogatory connotations), and that you actually mean "soft", non-rules material. As far as RPGs go, something which is (in the best scenario) nice to read but difficult to use is "fluff", but not all non-fluff is "crunchy".
GW wargamers use the word "fluff" for all the flavour text that doesn't affect the game, but in RPGs the narrative of an NPC or encounter description isn't "fluff" just because it isn't rules. If it's of above average usefulness to your game, or directly applicable to your game, IMO it isn't fluff even if it's not rulesy ("crunchy").
Different organizations, what they're agendas are, what the different areas are and the like? I suppose FRCS is about as crunchy as a campaign setting can get, but by their very nature, a campaign setting has to have a high ratio of "fluffy bits" to "crunchy bits."
Yeah, it's mostly non-crunchy stuff, but the genericity of FR in general means that most of those "soft" ideas are portable anyway, if you file off the serial numbers.
A while ago Steve Miller pointed out that most D&D worlds are generic enough that you can mix a homebrew from a palette of, say, Ravenloft, Dragonlance, Mystara and Birthright material and (with a bit of alteration) no-one will notice.
I agree with the idea that D&D settings tend to have enough in common with each other that portability of "soft" material is probably a lot easier than most people assume. It's not as obvious as lifting a feat, but a lot of "soft" ideas will do fine in a completely different context.
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