It depends on if you managed to save up charisma or not. Even with perfect charisma saving the chances are that you will have to either use an SC or go back to H anyways. In this case, there are also people who forget to save and in those cases it is better to throw themselves at H if they want armours more than gold since they get more chances at it.
Of course, X is always better if you have the charisma for it, but if not then H might just be what you want.