Only XF rod I own….St Croix medium light extra fast.
Specifically designed for light lures with exposed thin wire hook presentations in open water…..for a reel and lift fish hook themselves hookset.
With thicker, larger gauge hooks….like flipping and frog hooks; I want the heavy or extra heavy rod to load up with a moderate fast action so the bigger gauge hook can penetrate deep into the tissue with a driving sustained hook set.
I like fast action for Texas rig and most jigs.
Moderate fast action for most treble lures.
I don’t like moderate action for anything in the Texas freshwater lakes I fish….too much vegetation and timber for that.
There’s no industry standard; but I really like Falcon rods more moderate actions (their fast actions are more of a moderate fast)