When I got to my current workplace I was surprised to see we always, invariably (unless it's really impossible with the chip) use an oscillator not a crystal. But every time I see one of these posts I think about the difference in cost for us relative to the math of capacitance and debugging, it's just not worth it. And of course the first board I worked that we basically built to print and had a crystal integral to the design... They got the capacitance wrong and it didn't go.