I always take images in colour and process them in Silver efex Pro 2 afterwards to get the best tones. I have yet to play with the B&W settings in the X100. No matter how good they may be it's always SEP that wins in the end!!
BTW... The last 2 were taken from the hip. I had to guess where to point and hoped that the camera shutter speed was fast enough to get sharp shots. The X100 did brilliantly, I had no idea what they would turn out like untill i had time later to take a look!!