Im pretty sure you guys are wrongish
but maybe its me, i read a long time ago about the tech trading thing, and thats one of the reason "binary" research is useful.
You can stop research for 5T, doing what your doing, but it doesnt? get you the bonus for those turns, only the remaining ones. What i mean to say is in that thread he said that, based on how much a tech costs, you can figure out how many civs are on the map, or how many have that tech, even if you havnt met them it affects the cost of the research for the tech.
Binary research is nice because while your sitting at 0% and waiting, other civs may learn those techs, then you can get the bonus when you put turns into it, im not certain about stopping AH for 5T, then then during that 5T, every other civ learns it and you have 25% more beakers than you thought, or maybe you only get 25% off on the remaining ones, which seems more likely to me. Either way, its annoying having to do that, especially if you accidently lose all your research. Early in the game you might save 1 or 2 T for techs or 20-30 beakers lol, but in the long run, binary research is probably going to save alot more.
I recently started saving some of my coins so i could go 100% during GA's, its not a net gain, but if they learn alot of techs while your waiting, or you just want to power through 2 or 3 techs, if you have beauro cap and are starving other cities for GP's, its alot more commerce running through the science sliders, and you tech so fast that its harder for other civs to get the jump on your monopoly 2 turns before you get there.
This stuff should all be pretty easy to figure out, just set up a settler/easy game with a gold mine, and worldbuilder the other civs the proper techs after you have 5T saved into it, you may have to meet them, but i dont remember that being the case.