Suzanne -- I would go with the medium format Pentax over a Full Frame sensor. First, Pentax does not make Full Frame. For the money the camera highlighted in this thread, as Kevin said, is not much more money for the larger sensor compared to FF. In other words, if you talk to a camera sales person they usually talk more megapixels. However, sensor size does a much better job I think if you're interested in spending the money for Full Frame.
You asked if I had to choose between FF and MF. Truth be told, I like my Pentax ( crop sensor ) K10-D because it has a CCD sensor and not the average CMOS sensor ... but that is getting a little deep I think for this discussion. However, the processors in the phone cameras are incredible and useful for most photography applications. I recently posted an article on my FAA blog about this if you'd like to click the tab on my gallery page and read it. Bottom line for me is that photography is about the artists vision and how s/he uses the camera as a tool, pick one and master it.