I also voted XD and I carry the .45 Compact version every day. The trigger is indeed easily modified. In my opinion a well-done trigger job on an XD puts the weapon in a whole other class of performance, far above it's price range (including the cost of modification). The difference in mine after Springer Precision did the 4# combat/carry trigger job was astonishing to me. It was a great gun stock, as are all the guns on your list, really. I do not know how much a trigger job or other mods would improve the shortcomings of any of the others on your list as I have no experience with them stock vs. modified.
If possible rent the serious contenders you're thinking about and buy whatever you shoot best. Since you mentioned the possibility of a trigger job if you got an XD apply the same thinking to the others as well. If you're not set on buying and using a stock weapon (and you don't seem to be
) consider the mods that could "fix" the things you don't like about any of them up for consideration.
I make my living designing and building racing and high performance parts for cars. None of my vehicles are "stock" and none of my firearms are either. They've all been modified to better suit my intended use for them. To me this is a logical progression.The threads I read where somebody won't buy this or won't buy that because of one feature (crappy stock sights, mushy stock trigger, whatever) that can be easily "fixed" or modified to their liking with what we call bolt-on parts in the automotive world drives me nuts. It's a personal defense weapon, modify it as required to be the best tool for the job!
Some people will only carry a completely stock pistol because of a perceived risk of a modded gun making them look bad in court should they have to use it in self defense. I understand this argument and it may be a valid one based on things I've read by Ayoob and others. However, I have never read of a case where the weapon used being modified had any bearing on the outcome in court. If someone is dead-set on running their gun(s) completely stock not buying one with crap sights or whatever makes perfect sense.
Why run them stock when they can be so much better if modified?