There is no rule that says an FFP reticle will always cover more of the target than an SFP one. You need to look at the specifications of the reticles you're interested in and determine whether or not they are too thick for your needs.
Example:
The MLR reticle NF offers in its 5.5-22x NSX SFP scope is 0.093 MOA thick at 22x (D). However, as you lower magnification, it covers more of the target, as you can see from the spec:
Makes sense when you think about it... If the reticle appears the same size, but the target appears smaller, the reticle covers more of it.
The Gen2 XR in an FFP Premier Reticles 5-25x is 0.025 mil (0.086 MOA) thick (K) at every magnification:
In this case, the SFP reticle always covers more of the target than the FFP reticle. But, they both cover less than an inch at 1000 yards when on their highest magnifications. You could quarter a 3" indicator with either scope. If you're missing the target, it won't be because of reticle thickness.
Every manufacturer lists specs for their reticles. Its easy to calculate how much of the aiming point is going to be covered by the reticle. Some reticles like the TMR, EBR-2B(or C) have apertures, so the reticle will never cover the aiming point on the target.