The frequency of the crystal osc is divided by 4, this means a 4MHz xtal would give a PIC instruction
execution time of 4MHz/4 = 1uSec.
The usual range of xtal frequencies are 4, 6,8,10MHz.
If you were going to decide to use the PIC as a RTC or Timer, a 3.2768MHz xtal would be a good choice
as its divides nicely down to 1 sec.
The PIC that you use will determine the maximum xtal frequency that can be used.
Some PIC's have an internal PLL which can increase the frequency of the external xtal,
so for example a 10MHz clock could use the PLL to give an internal frequency of say 40MHz.