Absolutely right if you use the GU10 fittings with a fixed base - as I know to my cost - anyone want a box of fixed base GU10 fittings?
However, if you use the other type, where the lamp is held in by a wire circlip, and the connector is on loose cable, there is no problem with the longer lamps.
I'd agree about using the GU10 CFL's if you use a good make. I fitted 8 Megaman 9 watt ones in our kitchen two years ago, and have had no failures to date. After the 30 sec warm up already mentioned they give an excellent spread of light when spaced at about a metre over the worktops, and the reduction from 400 watts (halogen) to 72 is very welcome - not least because of the reduction in heat in the summer.
I'm sure leds are the way to go eventually, but at present I think good CFLs have a better mix of light output, cost, and longevity.
Charles F