I bought a XD40SC for my wife about 6 or 8 months ago. One thing that you have figured out if you've seen it is that the SC is not SC. It is a big, thick gun. I can't imagine trying to carry it IWB due to the thickness, but everybody's different. Not to mention hers was fitted with Crimson Trace grips witch contributes to thickness of the grip.
The recoil is pretty snappy as well, it hits harder than my PM45, but it still isn't just terriblely bad. The only malfunction it has ever had was 3 times in a row my brother shot it and the slide release locked the slide back wile the mag still had ammo in it. I called Springfield and they got me to ship it to them (on their buck) and I got it back 3 weeks later and have never had another problem within the additional 500+ rounds that has gone through it since.
All in all I'd say it's a dang fine gun. I let my wife trust her life to it, and I'm one of those guys who likes his wife. I also think 512 is a pretty good price, especially if you want the SC in Bi-Tone. That was exactly what my wife wanted and the Bi-Tone in SC seemed to be hard to find to me.....I bought the only one on GB at the time.