My approach has been similar to what Darryl is suggesting- better safe than sorry. It seems to be a general conclusion in the literature that excessive sat'd fats in the context of global/systemic inflammation is probably not a good thing. A large carbohydrate intake leads to global/systemic inflammation. Thus, if you are eating carbs for any period of time (usually for gains), I would avoid saturated fats, including MCTs. If you are looking to maintain/optimize health, I'd go pretty low carb, and limit MCT's to your post workout recovery window. While they may not be as harmful on a low carb diet, I still think its better safe than sorry. However, they are metabolized much more quickly/easily than long chain fats, so consumption immediately after working out is potentially a good choice.
S. Emile Hughes
Current Lifts (December 2010): BW 166lbs; 285lb Bench Press; 315lb Squat; 175lb Overhead Press; 405lb Deadlift; 205lb Power Clean