I prefer the MTAC over the crossbreed because it ships a lot faster, has fully adjustable retention (to tighten/loosen the crossbreed you have to use a hairdryer...), and the sparebodies are interchangable so if you change your EDC you don't have to replace the whole holster.
I used a Kholster for quite a while with my xd before I sold it. I liked it a lot. I cut a lot of the extra leather off. I haven't had many others so I can't really say much about them, but on a budget the Kholster works great and just as comfortable as the more expensive ones.