How many of them have you used? I've used a couple, to interact with large code bases on the rough order of 300GB. In my experience they don't work very well, because you have to be hygienic about the commands you run or some part of your Git state gets out of sync with some part of your state for the other source control system. So I gave up on those, and I use something similar to Microsoft's solution at work on a daily basis. It's a real pleasure by comparison, and in spite of that I still call myself a Git fan (about 10 years of heavy Git use now). At work the code base is monolithic and everyone commits directly to trunk (at a ridiculous rate, too).
I've heard horror stories about back when people had to do partial checkouts of the source code, and I'm glad that the tooling I use is better.
The idea of breaking up a repository merely because it is too large reminds me the story of the drunkard looking for his keys under the streetlights. The right tools for the right job, sometimes you change the job to match the tools, and sometimes you change the tools to match the job.