I'm probably most biased toward DOWN & DIRTY. That was one of the first CDs that introduced me to the Bay (along with Too Short's GET IN WHERE YOU FIT IN). I had burned myself out on most East Coast Rap (although I still dug Southern Cali), and here's this new mix of rappers with strange accents and musical sounds with tinny samples--the music almost sounded like it was "drunk", but still smooth. It showed that Rap music could be "polished", but still be hard, too. DOWN & DIRTY was just a total revelation in that it showed a new way to do street rap.
Which is not to discount GAME RELATED--that CD is a classic, too, but some of the rawer edges of DOWN & DIRTY had been smoothed out by this point, and the Click stuck to a four-person format with 40, B-La, Shot and Suga. Still, GAME RELATED was, to me, a continuation and growth of the work begun on DOWN & DIRTY. The rappers were more comfortable working with each other, and you could tell that each knew where the others were going, but they were still hungry.
As for MONEY & MUSCLE--I remember being unmoved by it in 2001, but it's grown on me. A couple of tracks on there sounded a little phoned-in, but it's worth getting once you have the two CDs above. I wonder where the members stand on this CD--MURDER DOG interviewed them in 2001 when M & M came out, but during the interview, 40, Shot, B-La and Suga didn't seem to go into much detail about this CD or its' songs. Did they consider it a mere "contractual obligation" record? Whatever the case, it's not a classic, but it's solid, and WAY better than a lot of the crap that passed for Rap "music" in 2001.
DOWN & DIRTY--10/10 (although it probably deserves an 11 or 12)
GAME RELATED--10/10
MONEY & MUSCLE--8/10
PEACE!