ORIGINAL: charlie brown
I am not sure there can be much done about the trigger, thats DAO. The magazines will loosen up over time, everything is a little stiff when it is new, it needs just some breaking in is all. I know that you can get some metal lined mags for the Glocks, not sure if they are available for the XD or not, but that would be a good option for making it a little smoother with the mags. As far as it kicking a ton, that is the reason I don't like the 40. Its not that its a lot of recoil per se, its just a sharper recoil then say the 45 ACP.
HDW- I just saw an ad in American Hunter for the XD 45 ACP, I think I am in love, oh booooyyyyy.

I have been waiting for this day since those things came out. I do like my 45 1911, but I really like my friends XD, and will surely end up with that 45 in the near future. Heck, it may even become my main duty gun
You will love the XD 45 acp. I have had mine since right before christmas and it has been wonderful. They are going to be getting the acp in the tactical model (5" barrel) in the near future as well. I can't wait for that either.LOL Then my XD tactical collection will be complete.
As far as the trigger goes, you can send it in to the custom shop to be re-worked. They take it down to 3-3 1/2 pounds, and it does wonders for them. I have had this done to a few of mine. If you want contact info, drop me a PM. Good luck