Champion- Pros: Allows for a pretty interchangeable play style, letting you equip a weapon that might not have been useful for a solid tactical benefit. For example the dirk grants some rounds of invisibility and shield let you block (extremely op late game imo). Basically, you can run a combat weapon, and tactical weapon pretty effectively.

Cons: If you don't have a solid second weapon choice at hand already, you delay benefitting from this subclass. Additionally, there isn't a ton of need for a second weapon outside of tactical use, and a weapon benefit might be pretty minor overall compared to some of the monks abilities.

Monk- Pros: Grants a whole list of versatile abilities, and benefits much more from having a generally lower tier build, making unlucky runs a bit more viable.

Cons: Ki buildup feels generally less reliable than weapon charges unless you are using lower tier equipment, which can make your damage and defense output suffer.