Creatine monohydrate is the most tested and tried and true supplement available. You cannot, however, compare a straight creatine monohydrate product to a creatine product that has other effects (i.e. like NeoVar Recomped, which is also a nutrient repartitioner; or Cre-02, which provides endurance enhancement, etc.). Is a straight creatine product going to give you all those other effects? No. But it IS going to do what it was intended for.
Creatine loading is entirely up to the individual and is NOT necessary. It's a personal preference thing - all it is designed for is to build your muscle creatine levels up to their threshold faster than say using 5g daily, which does it over ~3 weeks as opposed to a week dosed at 20g/day. Once you have reached your creatine muscle threshold levels, you canNOT increased them further.
~Team APPNUT