Depends. There are too many variables involved, especially with factory ammo. Sometimes it's the gun, sometimes it's the ammo.
Considering that the XD in question has already fired thousands of rounds without fail, I wouldn't worry too much about it in regards to reliability.
The rule of thumb is too keep the weapon clean as much as possible. Since you are trusting your life to it, why would you want a dirty weapon?
"TRAIN WITH WHAT YOU HAVE, NOT WITH WHAT YOU WISH YOU HAVE."