It's of course completely dependent upon your taste and style as the two examples that you gave are very different knives.
From a monetary point of view I'd say get the Hindy and flip it for a quick buck that'll take almost half the price out of the CRK that I'd recommend.
I've had both, they're both nice for very different reasons. I quickly sold my XM and have had no desire to get another one. Although I've bought and sold a lot of CRK's it's what stays in my pocket, I can't imagine actually finding a knife that I like better even though I scour the forums daily in search of it. If you're more of an XM kind of guy take a look at the Seb 25 or the Umnumzaan since they're built like tanks. Please don't let the rhetoric fool you, the Sebenza 21 is not a gentleman's knife that won't hold up to serious use, it's the epitome maybe even the epoch of what a no frills hard use folder that isn't a sharpened pry bar should be; sublime perfection in its most perfectly perfect form.
Too many perfects, yeah, sorry. I get that way sometimes.
