+ 1 on using a hydrometer for FG. I actually use my refractometer, Tilt, and hydrometer to get the OG. Mostly because the Tilt almost never gets the OG correct. Then I use the hydrometer to check against the Tilt for the FG.
I do find that the Tilt is better at FG. But I agree with the others that a Tilt is mostly useful to track fermentation and know when you hit FG.
Another thought I had is that if your software is ALWAYS 5 SG's off, then that's a pretty easy fix. Either adjust the software if you can, or just know it will be off. For whatever reason, I can't get the Water Calculator in Brewer's Friend to predict the mash ph very well. It's always off by the same amount every time (too low). So I just set it for a higher ph target and that usually works.
P.S. I assume your grain bill does not include sugar? That will usually drive the FG down lower than the calculators seem able to predict, at least in my experience.