The extra sensitivity and precision of the cross sensor helps in low-light conditions where AF can be iffy. Here's the quote from the 20D technical report (
http://www.canon.com/camera-museum/tech/report/200409/report.html):
"(1) Wide-area, high-speed, high-precision 9-point AF
The EOS 20D features a newly developed 9-point AF sensor (see Fig. 2). The center AF point is a high-precision cross-type sensor compatible with f/2.8 large aperture lenses (vertical line-sensitive at f/2.8, horizontal and vertical line-sensitive at f/5.6). The eight other AF points are sensitive to f/5.6(horizontal line-sensitive at top and bottom focusing points, vertical line-sensitive at the other six points), which is standard sensitivity for the EOS series.
The baselength of the center AF point sensor sensitive to f/2.8 is twice as long as f/5.6 compatible sensors. Also, all sensors sensitive to f/5.6 except for the top and bottom focusing points have a 30% longer baselength than the EOS 10D, assuring more accurate AF. In addition, the EOS 20D offers improved low-light AF performance by extending the focusing range in low light by 1-stop to EV-0.5 to 18. This is one stop better than the EOS 10D."
and the 20D press release:
"The sophisticated 9-point autofocus system has a high-precision cross-type sensor in the center position. This new design seen for the first time in the 20D model provides full cross-type performance with maximum apertures as small as f/5.6, yet it achieves up to 3 times the standard focusing precision when used with EF lenses featuring maximum apertures larger than or equal to f/2.8. A new, convenient Multi-controller provides fast and easy AF point selection."
The 400D is using the same AF system as the 20D btw.