the MTAC looks nicer finished and a new shell for a different pistol for only $38. Crossbreed ST does not appear to be as nicely finished. But for app. the same price of the MTAC the leather backing is horse hide. Will not be CCing a lot so would the difference between hides be significant? Live just north of Houston=hot and humid. This is for a G 19 I suspect more often I will grab a Ruger LCR and carry in a pocket holster or something like a High Noon Mr. Softy , or Galaco Tuck and Go, or Hume H 715.