I have Capmonster. Bought it about 10 months ago, when I've decide to give seo spam a second chance and needed a good solver for Recaptchav2. I also have Captcha breaker.
I think Capmonster is above Captcha Breaker for regular captchas.
Xrumer/Xevil will take a lot of hardware resources, so if you don't have enough money for Xevil, your next best choice is Capmonster (5 threads).
You need dedicated proxies as well, or rotating residential proxies - t hat's another expense. Don't bother with public proxies, they simply do not work.
Captcha Breaker might be good, but every time I tried it, it just missed. It still very good for some types of captchas and also is very fast.
Why I will always choose Capmonster? Because there's a community of developers that really listens. Unlike Xevil, you will have a forum for support. There were two times last year when Google made changes in Recaptcha and solving went down a lot, and they fixed it in maximum 5-10 days with a new version. Take that into account, support and continuous development is always a decisive factor when buying something.
Take a look at my stats (I usually reset them after 2-3 days). First Capmonster is for Recaptcha, GSA Captcha Breaker was not used because I rarely use it, second Capmonster is for normal captchas:
For those who say Capmonster is not good with normal captcha, try using the Universal Module for solving all captcha.