I have owned all three. You really couldn't loose with any of these makers. I have never had a problem with any of the makers, and frankly have found Andy and Matt to be simply awesome.
It would have been a competition between Andy and Matt for me - and as I own two or three of each - I wouldn't be able to choose very well.
Here is what I think of your two choices.
Andy:
1) Andy is the handle master. He makes unbelievable scales and they can be had in seemingly any type of make and model.
2) Andy's new 3D steel spalting is cool looking. You get that 'forged look' without it being forged.
3) Andy's end product is clean, and comes to you flawless.
4) If you like a contoured handle - the Fiddleback would have been a better choice.
5) His 01 heat treat is spot on and the knife comes sharp - however - he tends to put a slight double bevel on his full convex blades, and although it takes very little to work a full convex back to the edge - it does take some work.
6) Andy tends to use JRE sheaths - which are great low cost sheaths.
7) If you have a problem with Andy's work - at all - he does anything it takes to make it right - even to his cost. Andy is great like that.
Matt:
1) It is a must to have Matt add .5 inches to his handles. They are too short for me - but it looks like you had that covered - whomever told you that gave great advice.
2) His hand hammered and forged 1090 is awesome - his heat treat is spot on - and the blade comes very sharp, with a true convex. His knives come VERY sharp and obviously have been hand finished.
3) His scales are awesome - but he uses a natural stain and finish - and I have found that in order to make it truly weather proof is to reseal the handle by putting a hand rubbed finish on it.
4) He makes his own sheath, and although I find them to be a bit crude - they match the mountain man look he has going for him.
5) If you have anything wrong with his stuff - he does what it takes to fix it - even to his own cost.
As you can see - you really can't go wrong with either - and I am sure you will be happy with your Kephart - as I am... my brother and father even own them as well (now that I sent them a couple).

TF