Try looking for reticle pictures, that might help a bit.
The MTAC reticle is kind of bulky. For example, at 100 yards, the middle dot, used for aiming at that range, covers 2.4 inches. This is 2-3 times larger than what my rifles are capable of shooting. This makes aiming accurately difficult, since, if I'm aiming at a 1" dot at 100 yards, the aiming point totally obscures that dot. That said, the glass seems pretty nice for the price point, and for less accurate, quick shooting, the big reticule is easy to see with and without illumination. It's also hard to impart how the reticule just seems to overpower the section of glass it is in. You aren't going to see much of the target behind the reticle.
The dot within the horseshoe on the XTR covers .9 of an inch at 100 yards, which makes it easier to aim more accurately. I also like how just the horseshoe and three center dots are illuminated. I find the horseshoe/dot reticule very easy to use and which I could get it on the Zeiss Duralyt 1.2-5x36.
There's also more "space" between the reticle components, which are thinner, which makes it easier to see the target.
If you're looking for minute of deer/bad guy, the MTAC reticle is fine. If you're looking for something finer grained, I'd go with the XTR.
I personally can't stand that the eye relief changes at different magnifications, which is why I went with the above Zeiss scope. (The 36mm objective also makes the exit pupil larger and the eye box is more forgiving.)