Depends on what you like and what appeals to you. Things also change over time. I live in Torrance, btw and my wife is about your size. She shoots a revolver well enough since she lacks some arm strength to operate the slide of some automatics easily.
However, you noted your size, but didn't tell us what your budget is. For me, I am 5'7" and a buck fifty for weight....with small hands. I think, if your budget would swing it, you'd really like an all steel 1911 in 9mm. The weight would tame the recoil to about nothing, but the price on 9mm 1911s would be a little less than double an XD. You'd also have to see which ones are on the OK list from Cal's DOJ handguns. I know the Kimber 9mm was on the list and that may sell for around $1,200 here abouts.
In any case, I wish you luck on your selection process. BTW, I have four XDs including the 5" 9mm which I had SA do their Custom Carry package to it. It has almost 12,000 rounds through it and I only needed to change the recoil spring every 4,000 rounds or so. I've used this through several defensive pistol classes and one IDPA comp.
Really nice gun.