Well...
I don't own an XD, but I like them a lot. I might eventually pick up an XDm, in spite of a bad experience with a XD9 rental gun. I am also considering a G17, a Beretta 90two, and a XD45 c.
Anyways, a few years back, I rented an XD9 from the local range and had a problem with it. I was trying to limp wrist the gun and I succeeded in causing a malfunction. This was the only real malfunction that I've ever had with a gun. I only own revolvers, right now.
Early in the day, I was trying to do the same thing to a G17, a Beretta 90two, a Beretta PX4 storm, a p226, a SP2022, and a CZ75B. The other guns worked fine, in spite my efforts to limp wrist them. What happened was that the round feed improperly after the previous case ejected. The unfired round somehow got jammed in the chamber. I released the magazine and tried to move the slide back and forth. Nothing worked.
I eventually had to use a metal "pick" to get the darn thing out. I used to carry the tool in my range bag to help me disassemble my old Buckmark. Using this pick, I was able to remove the round. In total, it took me a few minutes to remove the round (from the time that the malfunction happened to the time I was able to remove it). This experience influenced me enough to switch over to revolvers. Six for sure.