Those that would say the XD has not been proven anywhere don't know the history of the firearm proir to its importation by Springfield Armory. I'm sure many Croatians would differ with you. Granted, the CZ has been around longer, and has proven itself as a fine handgun, but to say the XD hasn't just isn't accurate. It's probably as good of a value as you will find out there today, and isn't a "Glock wannabe". It doesn't function the same as a Glock, has different safety features than a Glock, has a different grip angle than a Glock, etc. It has a Polymer frame, and can fire the same ammo (plus lead ammo, but that's another story), but the similarities really do end there.
All that being said, both guns you mention would probably make you happy, and I would gladly own either. If I had to pick one, I'd go for the XD.
Good luck to you!