Thanks everybody! The info has given me plenty to think about! I would like to eventually get into competition shooting, though I don't know what kind, combat, silhouette, target, etc...
I pray I won't need it for HD but I want to have plenty of firepower if I do need it. I guess having 14 available compared to having 9 available shouldn't necessarily be a deciding factor. I would hope 9 would be enough to handle any situation I would run into. I don't expect I'll carry day to day. I'm still trying to make up my mind on this as well. I mention this because it may have bearing on which gun to choose, 5", 4" or sub compact.
When I look at my budget which is $600 it comes down to a new XD or a used P220. It sounds like I'd be happy either way. What is an inexpensive box of factory target rounds? What would be a good HD round? Maybe this belongs in another forum? Thanks for the help!