so how come no one makes crystals with built-in caps, anyway. Sure, you're supposed to tune the caps to the exact blah, blah.
they do, they are called crystal oscillators, and come in four pin rectangular metal "cans" like this
(not mine, random image I ripped from here http://www.newclassd.com/index.php?page=20)
I have used 40mhz ones with PICs, since it saves an IO pin.