The most recent one works the best with the heraldry rules, as the others all had color on color. Remember, black is a color (though some groups will sort of treat it like it can sometimes be a metal, but that's not really correct).
As I was saying on facebook, technically the crosses should be "sable, fimbriated argent" so that they don't have color on color. The outer black line on them would not be part of the official heraldry, to make this work, but sometimes people leave a black outline anyway just to make the charge more visible distinct, or because that's how they find the clip-art. I'd probably make it a thin line, but really it's up to you.
One possible way to blazon it would be like this: Quarterly sable and gules, I and IV a sun in splendor Or, II and III a cross pattee sable fimbriated argent.