I just picked up the S5 Active from AT&T two weeks back. Its basically the standard S5 with a few differences:
No Fingerprint Reader
Physical buttons
USB 2.0 instead of USB 3.0
Ruggedized exterior
I chose it over the standard S5 simply because I liked the design. Coming from my 2 year old S3, it's an improvement. My only complaint so far is finding the right case to protect my investment. If the fingerprint reader is something you really want, you can get the S5 and put a great active-like case on it.