There's functionally no difference, unless you're the guy who cocks his gun as he draws, then ND's the hammer back down with his thumb. If you wanna do that, buy a striker-fired P7 and have it all.
The main benefit of a striker is that it simplifies the gun, especially the frame. This can reduce production cost and allows for a smaller backstrap. It also allows for design of a lower bore axis, ala Steyr, GLOCK, and P7. Have you held a P7? Where would you have room to stick a hammer on that thing? The main benefits of a hammer are hammer bite, greater chance of snagging on clothing during the draw, exposes more of the gun's internals to dirt, and the ability to perform an ND with greater variety. Well, ok, there's at least 2 benefits. A hammer can be made larger. And it is also static when compared with the sear/trigger group. So it is likely easier to produce a better trigger pull for a hammer-fired pistol, but that depends a good deal on design, as well.
Other than that, you're arguing about specific qualities of individual guns, not the mechanism, itself. Trigger action, safeties, etc, are all qualities distinct from the manner in which the firing pin is propelled.
I'm sure you have a lot of better reasons to not like Glock or XD then the fact that there's no hammer. You've already mentioned several... trigger feel, trigger action, manual safety, etc. In addition, you have mentioned the fact that you actually like one particular striker-fired pistol - one of the Steyrs.