My wife has been using Future sonics for about 6 years. they have been great. I just replaced the drivers in them, but they didn't need it, more just for maitenance and to have them looked over. I also know quite a few that have been using future sonics for years happily. But one of my friends(drummer) recently who had been on Future Sonics tried switching over to Etymotics. He has had nothing but good to say about them. They have added a lot of low end back in that the FS take off and are a lot cheaper as well. He doesn't have the need for a bass shaker or a sub wedge at his kit. http://www.etymotic.com/
And about the limiter, I am not aware of built in limiter on the FSs. That's why we also use Finalizer or a Aphex Dominator II...
Quality Limters are a must in my opinion, unless you have control over EVERYTHING.
But I would check out the ety's. FS will cost ya about $800 to get into I believe.