An easy way to test E6 FD is to dilute it 1+9 with tap water and use it to develop regular B&W film (start with 10 minutes @ 20°C for a film like Tri-X). Obviously you'd have to do a reference clip once with freshly mixed chemistry, but after that you'd have a method for testing E6 FD activity without the need for expensive E6 film stock, and you need only 25ml to test in an inversion tank, and even less with rotary processing.
If you process 120 format roll film, 450ml are typically enough to fill a Jobo 1520 tank, so with an initial amount of 500ml you could run two tests over time, and still process 120 film if the test is successful.
PS: the flakes are harmless, but are an indication that your FD has become less active from storage.