In my .inputrc, I use "set editing-mode vi". Because this puts readline into vi-mode everywhere, I don't have a "set -o vi" in my .bashrc file, which AFAIK is for making "only bash" (and not other readline-using programs) use vi bindings.
Without "set -o vi", when .bashrc sourced .fzf.bash, the set -o | grep vi check returned empty, looking like vi mode was not setup, and so the non-vi key bindings where set.
However, after .bashrc was evaluated, my .inputrc settings took affect, and if I manually run "set -o | grep vi" in a terminal, then it does actually report as on.
Basically, AFAIK, .fzf.bash is running before .inputrc, so doesn't see the "set editing-mode vi" flag.
After struggling quite awhile with trying to figure out why Ctrl-T was doing bizarre things, I finally put "set -o vi" into my .bashrc, and now things work much better.
A hint in the docs might help future users avoid this confusion. I can add something to the readme if you like, unless it's terribly obvious that anyone using "set editing-mode vi" would of course also have "set -o vi" set. (Obviously it was not obvious to me.)