Good morning Darrell. Greetings from Ottawa.
I have a Ti25 and have been asking the same questions. I think John Snell has a post on this forum comparing sensor and sensitivity options, along with comparative (not identical, but illustrative nonetheless) shots.
In my case, I did a side by side comparision, with the assistance of a Level III Thermographer, between my Ti25, 160 x120, 0.1 NETD and a Ti55FT, 320x240, 0.05 NETD, using several different types of materials, (including brushed aluminum, a block of phenolic, wrought iron and wood) and a thermos holding an ice cube and water bath. All had stablised in a freezer and were placed in an open indoor area with no known sources of background temp anomolies. The cameras were held as closely as possble to the same distance and viewing angle. I then looked at the images side by side in Smartview and again in a post processing graph.
Here's where the solution takes on elements of both art and science. The relative advantages of the Ti55FT depend on the application. In my case, where most of the work requires the best possible resolution around and just below 0 deg C, I focussed my attention on how visible the ice cubes were in the near-freezing water of the bath. While the Ti55 produced clearly superior results at the warmer temperatures, especially on the metals, I didn't see enough of a difference around zero to justify the upgrade. Additionally, data export in Smartview is limited to one decimal place for all models, so the higher accuracy of the Ti55 didn't translate into post processing for me.
Would the Ti55 outperform at typical house temperatures? Without a doubt it could, but again I'd stress that it depends on how you are using it. I am still evaluating the upgrade path for several larger detector platforms, because the one advantage I increasingly need is the additional resolution at range that the bigger detector gives me. In this market though, the combination of rapidly evolving technology and shaky industry financials has me waiting before I lock in a choice.
I hope this helps, others with more expertise will surely have better advice.
All the best
-John