I've had my XD45 (Service 4") for a few years and appreciate it. It was my first plastic pistol. I had tried others, including Glocks, and the ergonomics did nothing for me. However, the XD fit me perfectly. At the range, it's stone reliable with anything I can jam in the magazine, even the musch maligned Wolf steel cased stuff.
It is not a target pistol...wasn't meant to be. What it does is give the user 14 rounds of .45ACP without a reload.
It is my nightstand gun. The loaded chamber indicator and cocked indicator are great in the dark.
It's a keeper.
Oh, yes, I've got a few 1911s and Sigs; the XD isn't either one of those. It is what it is and does what it does, and you can't ask for any more.