That's the gun and caliber I got for my wife. She's not a shooter, but reminds me to "bring the gun" when we go camping. I've created a MOnster.
I recently bought a Glock 30 in the .45 ACP I had the opportunity to shoot both side by side. Granted, you're comparing .45 to .40, but you can still tell how great the XD shoots next to the more expensive and renouned Glock. I almost got the .45 in an XD and didn't only because I was considering what MIGHT be re-sale value. (The Glockretaining more). And the Glock was only $50.00 more. And I had to "one-up" the little woman!
You'll love the XD. Very good shooter. I particularly liked the wayit returns to target so easily. No real hand fatigue.