Fly ash is literally dirt cheap. It is a waste product from coal fired power plants. It is commonly used as a substitute for cement. It adds many advantageous properties, in particular regarding chemical resistance. In our area (Arizona) it is routinely added to concrete mixes in percentages up to 20% of cement. I've never had a bad experience with it, although I've heard some clients don't like it. I think they got a bad batch of fly ash once.
Microsilica is very expensive, adding up to $50/cy. It isn't that common, so batch plants don't like to deal with it. It is ultrafine, so it's hard to handle. It is used to greatly increase the strength and/or density of concrete.
Unless you have a special need, I would stay away from microsilica. Fly ash, on the other hand, makes a cheaper and easier to handle mix.