> Where do you get the FTP client and server from without an Internet connection
Until last year, your web browser will usually download files. These days, you have to start an HTTP server. Which is actually easier, because FTP is a messy protocol.
> how do you create a network between the two
WiFi Direct has been built into phones for at least a decade.
> And would you say that this is comparable in terms of complexity with e.g. Airdrop or selecting "send via Bluetooth" and picking the recipient's device name?
On the sender side, the "send via" option can appear in the standard sharing app list. On the recipient's side, you may need to scan a QR code to finish the WiFi Direct connection. Starting the download should be as easy as having the sending app pretend to be a WiFi login portal so the phone automatically pops up the web page.
But if you're just sending files offline, there's always Nearby Share or plain old Bluetooth if the files are small enough.