For the money, I don't think there's a big enough difference between the XD and the XDM.
Yup. Unless you have some specific reason/need for the XDM (competition, HD gun with max number of rounds, need the backstraps), I can't see it over the regular XD.
Don't know how difficult they are to find, but some folks in here have been talking 'bout a "stripped" version of XDs (no holster, mag pouch, speed loader). If available, wish I had known 'bout 'em before I bought my last XDSC. My first one is pre-Melonite, before they started tossing all the junk in to jack the price up. If you could find something like that in an XD45, you're talking 'bout a pretty good price spread!
The extras ain't bad, but I prefer vertical mag pouches instead of the splayed, I tossed the speedloader in my shoebox with the rest of 'em that almost work (buy an UPLULA), and got my own holster.
Own an XDSC9 and SC40-the XD45C has been on my short list for a while.
If I can get one without all the "extras", I might be more inclined to buy.