I will bump this thread up, I am in the same boat.....XD or SR9.
I have always been a Ruger fan. I own several rifles and a MK 22/45.
I really really like the feel of the SR9 but, I got my hands on a XD40 last week and liked it as well too.
The .40 would be a better defense gun I think; harder hitting...the rounds of course a lil more $$.
Decisions, Decisions.....I will get one of these in the next year.