Having built a system that takes an XML document and makes PDF files (among other things), it is possible to do it without the acrobat distiller (although it is extremely painful for the non-programmer). The short of it, if I haven't lost you already, is to convert the XML into XSLFO using an XSLT and then render the XSLFO using something like FOP. The problem is that you have to write a completely new character sheet from scratch (the layout and such of XSLFO is radically different from how the default XSLT works). Once that file is generated, you could render it into a pdf file.
Lots of work, but it can also be done for free (if you are technical enough to hack your way through it). Let me know if you want any more of the gory details. I haven't done this for e-tools myself since I don't really need pdf files. I'd be happy to be a consultant and help people along if they really want to do it.