I have an XDm 3.8 in .40, and my dad has an XDm 4.5 in .40. Both have about 2k rounds with zero failures. Both shoot great and are far more accurate than either of us. I carry mine daily, and my dad carries occasionally. I would not hesitate to trust my life or my family's lives to either.
As mentioned by another, the only thing I don't like is the made in Croatia.
If I could make a recommendation, go with a compact in whichever caliber you choose. That way you still have the full size magazine for range time, and have the ability to conceal easily if you choose.