here is my take,
i have student account with all big 3 brands through my school. Matco is the single most easy one to access being my discount on every single item is clearly listed, and there's no fine prints on what i can buy and how many. i can cherry pick what ever i want.
Snap On is in the middle, i can only buy certain pre-buddled tool sets, not based on what i need.
Mac, impossible, forget it.
i met the local Matco dealer for the first time yesterday, cool dude. also, for the first time, i bought something off a tool truck, a pair of Hansen socket trays. i don't really need them(i built my own which is dirt cheap), but all because he warrantied 3 bearing slides out of the used tool box i bought. i think i'll start buying Matco form now.