ok, andy, to clear things up, a wee comparison for you:
GU10/MR16/halogen in general:
very warm white (12v slightly cooler)
narrow beam (even the flood ones)
quality lamps expensive
very inefficient
CFL fittings (of any variety):
clean, white light, available in various colour temps (from daylight (6400k) to very warm white (2700k)). Daylight isnt to everyones taste. I have a very cool 6000k PL lamp in my desk lamp, and it is very "bluey" compared to when I have the halogen ceiling light on. I have some 2700k CFLs, even they look cool compared to halogen, but this may be "percieved" coolness due to their ability to spread light much better than halogen. I digress . .
wide, flood beam.
all lamps same - no particular quality variances. only a couple of quid each
very efficient.
Out of interest, I had a 20w halogen desk lamp (with a little capsule lamp). It blew so i replaced the light with the CFL one (the ahlogen one was 10+ years old, and only cost me £10). The CFL one, at 11w, produces about twice as much light.
No competition.