A friend of mine has one. (Knowing what I know, preferring what I prefer...) If I was to own just one handgun, this would be very high on the list of candidates. It functions well as both a HD and medium-framed carry gun. It's an excellent gun that I may add at some point in the near future. I already have the 4.5" version of the 45acp. Handles well, plenty accurate, great ergos (for me), and an outstanding combination of quality trigger + safety (grip) design.
For $600-650 you get...
- XDm 45acp 3.8 compact
- 2 mags, a 9rd and a 13rd
- A lousy magloader, ala Glock (do yourself a service and spend $30 on an Uplula)
- Extra backstraps for a semi-custom fit
- A very functional OWB holster
- An okay (for the range at least) OWB mag holder
It's an excellent gun. You probably won't make use of all the "extras", but most of them are quite functional. For carry, I would buy an extra 9rd mag. That would have you carrying 19rds...9+1 in the gun, 9 in the extra mag. I generally figure if you find yourself in a situation where that ain't enough, you've probably made some really poor decisions and it's time for karma to step in kick you in the teeth.