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No matter which one you buy you'll be dealing with Mog Station for the most part rather than buying items through Steam (unless you are buying items from Mog Station using Steam Wallet. You don't HAVE to, it's just an option).
It just depends on whether you want Steam involved or not -- very little to do with using Steam for actual purchases as you can avoid that if you wish. The only reason I do so is because they don't utilize PayPal on Mog Station, but you can use Steam Wallet (which you can top-up via Pay Pal, so it equates to the same thing -- otherwise I just use cred-card).
You don't need Steam to track hours played as the game does that already. Type "/playtime" without the quotes into the chat window.
if you go through steam though its only an extra intermediary step. its easier for sure to just get it directly from mogstation.
If you buy the non-Steam version you can grab a copy from which ever website is having a sale that day.
Steam or not Steam is purely matter of preference (library, screenshots, etc.). The games are exactly the same beyond the Run button. No shortcuts, not steamworks, even steam version doesn't require steam to play the game.
Just mind "the various middle-man paying services" don't include paypal. So if you want to use paypal like me, the steam wallet is the only choice.
PS. you can't "use steam" without using "steam wallet". Everything on steam is purchased with "steam wallet".
Just keep in Mind that once you've bought the game on steam (or retail) you'll have to purchase future add-ons there, too. Steam and Retail versions aren't compatible.
You have to open the launcher to patch the game (it doesn't patch through steam), and you do everything through mogstation anyway.
SE sells keys directly through amazon.
https://na.finalfantasyxiv.com/lodestone/news/detail/eb00facc2f6dc880aca78a9aa69d4dcbcf2c5f4d