Finn's probably more useful on a ghost than a non-Rey Falcon because FCS is significantly better for him than Han's ability/Lone Wolf. With FCS you're getting 1/2 to 3/4 of a dice.
Ezra is two points less than Finn, is more consistently useful than Finn (you're stressed. Your first shot on a new target will not have a TL so no Finn. Roll an eyeball, you still get Ezra), and is statistically like .1 damage less than Finn (while significantly increasing the expected number of crits). If the VCX is carrying Hera, Finn is inferior to Ezra.