Long toe and "glow" being more important than speed (I mean slow...) and grain, I think, in this distinction. I can often, but not always, get the contrast I want from Tmax 100, so I typically don't use it. I grew jaundiced to flat-grained films as having flat contrast, except for Acros.
As a substitue for Pan-X I would recommend trying Ilford Pan F 50. Used to be cheap, now other people have discovered it.