Ironically, the 4.75 or the 5.0 may actually be closer to POI. The ballistics program rounded either up or down to 6.7, so it's literally a crap shoot either way. I've used both and have no preference either way. They both work equally well.
MRAD is based upon 1000th of a radian. There are 6283.185 milradians in a circle. MOA is based upon Pi; literally. That is why 1 MOA = 1.047 and not 1 inch. Neither is more easy or more difficult to understand at a working level. The only way MRAD is easier is if you range in meters and not yards and you use metric sighting targets instead of American targets with 1" squares. Even then the difference is that you count full turns and tenths compared to counting each click as 1/4 MOA or 1/8 MOA.
Funny how grade school math sneaks it's way into life later. Had our teachers used hunting scope math, we all would have paid better attention and would have aced the test.