I'm not sure what you mean by 'toxic' but I don't want to get into a thing here on that. Xtol is a powder, and needs to be made up in one large batch, with the likelihood of you dumping whatever you didn't use before it oxidizes, whereas HC-110 can be doled out 9ml at a time. Also, with powders you get dust and might consider wearing a mask. Does that help?
Fixer in concentrate easily lasts a decade, it's pretty simple and stable, and not toxic either.