I was like you a couple years ago, trying to decide between the XCR and everything else. I finally just pulled the trigger, so to speak, on the XCR-L and haven't regretted it since. You will hear lots of hate for them for some reason but I love mine and my buddies who shoot it also really enjoy it too. I have also recently bought a Daniel Defense M4 V5 as I always wanted a true AR, and while I really like it, my XCR is just as accurate, and way more ergonomic and user friendly for me. A buddy has a HK SL8 and we both agree that my XCR is just more user friendly and no less accurate then his HK.
Also if you get one and don't really like it, they seem to hold their resale really well and you can sell it easy enough. Heck, buy one used on EE and probably get what you paid for it a year from now.....