I think you hit the nail on the head but I would also include ergonomics. The SF will offer a 9.17% greater field of view while the HT offers ABOUT 3 to 5 percent more light.
Ergonomics LOOK to be a good bit different between the HT and HF BUT I can't imagine the SF being THAT much different than an EL. So nothing more than personal preference IMO.
And REALLY….between the HT, HF, and SV….it's really nothing MORE than personal preference. If starting from scratch I'd be really, REALLY tempted to buy the HF but currently the HT and SV really have a better track record.
You'll be happy with either of those three, that's the three best 10X42s in the consumer market I suppose.
Here's you a little picture comparing the big three although the Leica Ultravid HD Plus is a recently purchased 8X42! :eek!: