Stonehaven Technoloy uses the XML-direct templates for its data to XML conversions.  Granted, the field-names are more cryptic; however, the XML logic and groupings are easily discernible.  Additionally, it is much easier to remove unwanted / unneeded columns from the templates and diagnose any problems.

The primary advantage of the pre-populated templates is the column names are easier to comprehend.  However, attempting to remove unneeded columns is very problematic.

In the end, our recommendation is to use the "Build a [smbxml] template" option on the sTToXML Template screen.  Only the use the Select a Pre-populated Template option if you are very new to sTToXML and XML and you do not plan on removing any of the template's columns.