The XD is not a double action only gun. It is striker fired and thus you are not pulling against the main spring (hammer spring) every time you pull the trigger. The XD functions nothing like the Taurus millenium.

There is a lot of creep becasue of the way the striker engages the sear. Most of that creep is just take up which is allowing the safety lever to begin pushing up on the striker safety to get it out of the way for the striker to fall and strike the primer. It's part of having a very safe gun that doesn't require manual safeties.

The 40 in the sub compact is a little snappy but is is very manageable. Besides, it's a compact gun firing a very potent round. It isn't made for long range accurate shooting. It entire purpose in life is to be concealable, relatively light weight, quick handling in close quarters, and deliver a substantial piece of lead to the intended target. That's it.

The trigger is easily workable by a compitent gunsmith. I have the same gun and all I to mine was polish the sear and striker and the trigger pull improved a great deal and breaks right at 4.5 pounds, which is plenty light enough for a defensive carry gun.