Welcome Packer -
If those are your choices, I would go with the XD all day long. It's just a better overall weapon if you can get by the long trigger pull.
Beretta has fallen in love with their mystique and they haven't done much to advance some of their concepts in YEARS - not to mention their military contract has them fat, dumb and happy. Their customer service is almost non existant and the Model 96 ( which is the .40 cal version ) isn't that great of a weapon.
If you really like that design, look at the Taurus. It's the same gun, but you get a lifetime warranty.
The XD is a striker fired weapon, so you have the advantage of not having to worry about snagging the hammer on your clothes in a CCW situation. It also features an external safety on the frame, where it was intended to be in the first place. The Beretta's is on the slide, not where it was intended to be in the first place.
I believe the XD has a lower profile barrel, making it closer to the hand, and therefor, more accurate for the average shooter.
The Beretta, and I am speaking from experience as I owned a 92F back in the day, will experience slide wear on the aluminum frame that will lead to a little more rattle than I personally like to see in a self defense weapon.
Beretta makes some fantastic shotguns, and they should stick to doing that. Springfield is an American Made company that has been around a long time and will probably be around for a long time to come.
I think the XD is hands down a better overall weapon and will probably save you some money in the purchase that can go towards ammo and mags, not to mention range time for practice, practice, practice...