Crystals are a funny business.
The reality is that most of them work

And if not needing accuracy, the capacitance is not that critical.
You quickly discover that the big brand xtals like Kyocera and AVX are pricey but well specced, and the no-name chinese ones are far cheaper but you may not get the same ones every time (because with most chinese stuff most people are reselling and nobody knows where some batch really came from). I have found to my irritation that a lot of the cheap xtals I had been using for years have been taken over by Abracon and the price went up 5x.
For example, for the 32F417 I use these branded xtals

but if you put those P/Ns into say mouser.com you find they are not exactly cheap and frankly I doubt many people use them in 1k+ volume. And in 100k+ volume the branded ones will be cheap

The cheapest one with the same spec as the CX3225 is the 815-ABM8G-25-18D2Y. If you are free to choose the package, Murata (a reputable make) do cheaper ones. But they only go up to 12pF. e.g. XRCGB25M000F1SBDR0
The xtals in the ST appnote are either expensive or obsolete.
You guess how many pF the PCB tracks will add. There is info online. 1-2pF usually.