I really think a lot of it is personal prefrence, but fluorocarbon sinks so use it on lures you want to try and keep down. I use it for all my crankbaits, I use it for a main line on carolina rigs but not the leader, it sinks so I use mono for carolina leaders to help the action of my lure. I like it on my jig rod because it is low stretch, some guys like braid for this but I don't like braid period. fluorocarbon isn't a good choice for topwater for obvious reason (sinks). Just use it for different situations and see what you like for, I think you'll use it quite a bit, the stuff is real sensitive.
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