zen cart was start by programmers who left os commerce team, I think. They are close. But I like zen cart better. More sites use zen cart or os comerce than particular commercial shopping cart I think. Without particular reasons to buy certain commecial shopping cart, why just try zen cart first?
what do you mean by worrying "that give access to customers credit info to unwanted persons which will result in me getting sued." do you mean that your shopping cart system are going to handle and save "credit card" information itself? No, you should not do that.
A lot of issues you need to think about. the script, the server, hosting, and database the law etc. Not just buy x-cart or use zencart can settle down these concerns. You would need a big budget, and a good tech team to make a system meet the security standard and pass the evaluation to manage the credit card transaction yourself. This is mostly for big companies.
For most small to middle size online shoppin business even you have done everything you can to make your shopping cart safe, you still should use 3rd party payment gateway service to handle credit card payments. zencart, oscommerce etc. they would offer built in interface to popular 3rd party payment gateway service in their system.