As much as I love rugers,and even knowing the ruger is american made,if it was me,I'd go with the springfield in a heartbeat. Two reasons-1st is the simple reason that the XD comes in the .45 acp that's been proven and well documented in actual battle/combat/defense situations. There's NO WAY anybody is going to convince me that a 9mm will perform as well as .45acp. Yes,I realize 9mm bullets in recent years have came a dramatically long way towards reliable defense round,especially in premium bullets driven at +P pressures,but with .45acp with +P pressure loads and premium bullets,there's no contest. In the design of the XD,recoil WON'T be a issue-even for your wife. Also,.45acp ammo is cheaper(slightly) than the .40s&w "middle road" but if you mostly want to be able to shoot economically,then the 9mm is for you.
As to the other reason,the XD is well proven in design as to behighly reliable,sturdy,reasonably accurate,and fairly priced.