naturally i am gonna go with the xd, i have 2 xd's and i love em. 13+1 is awesome, they are accuarte, reliable, and fun to shoot. i have over 6000rds through one of my xd's and i couldn't be happier.
also check out the ruger p345, it is the least expensive gun that i own but it is the most accurate handgun that i own. it is a bit less expensive than the xd, and you are gonna be limited to 8+1 and it is a da/sa so for those reasons i would personally go for the xd, but the ruger would be a close second.