The above post has the most educated comment of this whole thread....
On topic, have you had a chance to fire an XD yet? If you can try one out, you should before committing the money to the purchase.
The XD has some good features on it, and it's a reliable firearm made by a reputable company. Personally, I don't care for it much, but that's my own opinion. If the weapon seems like it fits you well, then there's your answer.
Good luck, though. If you don't end up purchasing an XD, hopefully you'll find a perfect 9mm for you.