XD-45 is a great gun
Just adding my two cents:
I've owned an XD-45 for about six months now. I've taken it to the range at least twice a month and probably have put over 1000 rounds through it by now. It's a great gun.
When it comes to accuracy, I'm the limiting factor, not the gun. The trigger is very smooth, the sights are good (though my front sight is showing wear and tear from all the gunpowder residue) and the recoil is very manageable (feels lighter than a Springfield MilSpec 1911-style pistol even though the gun is lighter).
But accuracy is only requirement #3. Requirements #1 and #2 are reliability and, well, reliability ;^) And I have no complaints in that regard either. Every malfunction I've seen with the gun (I've experienced none, but two of my friends have had failures to extract) can be attributed to user error. No failures to feed, no light strikes. You put 13 rounds in the magazine and it sends 13 bullets down-range with no drama.
The highest praise I can think of for it was when one of my gun nut friends (I'm merely a dabbler compared to some people I know) fired it for the first time. He put a magazine through, put it down and said, "I may have to get one of these." And believe me, not only is this guy knowledgable, he's also very, very frugal. If he's willing to spend money on something, I =know= it's good.
Have a good one!