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@Northern_Rob
Presuming you mean the crop factor or field of view equivalent you have to of spent a decent amount of time shooting with 35mm film cameras for crop factor to be a consideration. Any lens will give you a different field of view when moved from a film body to a dslr like the 550 but if you've never tried a 24-70 or anything on a film and gotten very used to the FOV, you'll never notice the difference.
Solely because a difference has to be a between a minimum of two things. And if you only ever used digital there is no comparison available to you.
Not sure where your full frame uncertainties lie but if you buy a lens that is designed for full frame body it will work on smaller sensor digital no probs (ok, some ff lenses my be a bit lairy with purple fringeing but that'a a whole different box of frogs) and of course work on FF if you upgrade. A lens optimised for 'cropped' digital sensors MIGHT not perform correctly on a full frame body however due to science and stuff I'm too thick to understand. You just could end up with a big black ring round your image cause the FF sensor is bigger than the projected image.
Or summat.
Sadly I'm a Pentax man so don't know owt about Canon lenses ! If it's any help though I buy Pentax DA lenses cause they're designed for my sensor size then should I switch to FF I'll flog em and buy FA cause they're for FF.