Well, most people here recommend Bestop for the replacement. I was able to get a top at really good value from someone on this forum who had put on a hardtop and was looking to get rid of it. The top, I believe, was not factory, as it appears to be more of a canvas type material than the original one that came with the car. That being said, it will probably wear better, as the original top had the tendency to crack, especially when you were putting it down at temps below 65F or so. If you are going for a used top, be aware that there were hardward and slight body changes to the Tracker in 95, so the newer tops attach at the front bow with snaps, while the older ones attach with clips. If you get a used top from 96-98, then you don't need any replacement hardware. The older tops will need the replacement front bow, and will not fit the tailgate of the car without some DIY repair (older tailgate an inch or two shorter than 95+). I believe that Bestop comes in different colors, as well.
Here's a link from here discussing pros/cons:
http://www.suzuki-forums.com/suzuki-...95-98-top.html
And a link for Bestop:
Replacement SOFT TOPS for Suzuki Sidekick & Geo Trackers