Rule 1 – Buy decent HSS taps from professional suppliers
Rule 2 – Drill the tapping hole for partial thread engagement, for M2.5 in steel I'd be drilling 2.2mm
Four flute? I've just looked at a selection of my small taps (<6mm) and they are all 2 or 3 flute. I wouldn't expect to see a 4 flute tap much under 10mm. Four flutes simply doesn't give enough room for the swarf.
Spiral point and spiral flute taps are intended for machine tapping. Spiral point are for through holes and push the swarf forwards. Spiral flute are for blind holes and push the swarf backwards, out of the hole. In a ductile material you will often get spirals of swarf exiting the hole. Despite being intended for machine tapping both SP and SF taps can be used by hand without a problem.
I have a few spiral point taps but I tend to use spiral flute for my most common threads, blind or through hole, machine or hand. I'm with KWIL on this; you only need to buy one tap, they cut easier than hand taps, the swarf tends to get ejected rather than jamming and they cut to within a pitch or two of the bottom of a hole in one pass. I seem to end up tapping a lot of blind holes where drilling deeper is not an option due to design contraints.
Here's the tap I will be using this afternoon, 3/4" UNF:

This is for the pipe connections for an experimental heatsink. The pipe bore needs to be a minimum of 12mm, but the heatsink also needs to be as small as possible, so 1/2" BSP is out. Of the common threads UNF is the finest pitch in 3/4". I already have a set of 3/4" UNF hand taps but the hole isn't deep enough to allow them to be used. 
Andrew