I've tried them all, usually because they have a yellow sticker on them, and I've come to the conclusion that "luxury" hot cross buns are not nearly as good as regular boring ones. (I like trying new versions of things, but sometimes discover that the original is nicest.)
Things I do not want in my hot cross buns:
- chocolate (including cocoa, chocolate chunks, cocoa liquor, white chocolate, and all variations therof)
- salted caramel
- coffee
- incongruous fruit
- all other incongruous things that I have wiped from my memory in self-preservation
Bramley apples and lemon can just about squeak in, but not accompanied by cinnamon or Earl Grey or anything fancy.
If you want a chocolate chip bread, have at it! But don't slap a cross on it and call it a hot cross bun.