I'm going to guess that those who have the mix "precipitate" are not using the correct amount of water, or they are using too much powder, making the concentration too high for the water, so they get "precipitation". I put precipitation in quotes, because it most likely not precip and just undissolved all for reef, Precipitation would mean it was in solution and then pulled out of solution by something.
If you're worried about this happening, you could use more water when mixing, you'll just have to increase the dose volume to get the same amount of alk delivered. I'm not sure what exactly AFR powder is, as it does not say on the BRS or Tropic Marin site, I'm guessing a calcium formate mix or hydroxide of some kind.
Even if you're dosing AFR, you still need to keep a regular alk/ca/mg mix on hand. Check out the Tropic Marin site. They have a chart listed at the bottom of what you should dose given certain situations. I'm guessing AFR works in ways similar to kalkwasser, where it is good at maintaining chemistry, but not so good for general adjustments.
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If you like AFR, and are happy with the liquid but don't like the price, then go for the powder and try it out.