Rm,
If i may ask how many rds does your xd have through it? Mine was sweet from the factory, but after the 500rd and the 2000rd mark, i felt a change in the trigger and right now it is perfect and, i know exactly what it is gonna do and when. If your gun dosen't have, i would say at least 2000-2500 rds through it i would wait on getting a smith to do it. Then that way if the trigger gets better on it's on then you won't have to spend the money to get a trigger job. Mine evened out greatly, i hope yours does as well, and good luck, let us know what you decide!