I use mostly FOs in general bath and household soap, except for some of the EOs that are fairly inexpensive. I have to use so much scent in a CP soap that EOs are usually too expensive to use.
I use FOs or EOs in general purpose leave-on products such as lotions, balms, etc., depending on how I want to scent the product. Always EOs in things that have a medicinal or protective purpose -- salves, insect repellent, etc.
FOs come in a much wider range of scents than EOs -- bakery or food scents come to mind. Also FO scents can smell more balanced and rounded. For example, FOs can smell closer to scent of a living plant than an EO (compare the fragrance of a lavender bush to the scent of lavender EO or a good rose FO to rose EO).