The vibe I\'m getting from Stackoverflow and the internet at large is that unless I\'m using an LE device, any Bluetooth device I make for an iOS app must be MFi certified.<
That line is referring to standard profiles supported natively by ios devices, such as HFP or A2DP. If you build a headset device that does HFP, the iphone will be able to connect to it and route your call to the headset without the headset being part of MFi.
If you want to write an app that does other things with bluetooth, inlcuding FTP, you would have to use MFi.