I have an XD-M 40 and love it! Great gun and very fun to shoot. It's also very accurate once you get use to shooting it. I also have a 1911 and love it too. Extremely accurate but did take some getting use to when I first started because of how much more recoil it has over the XD-M. For what you have described, I'd personally go with the XD-M. It has all the capacity you'll need and it good in all the areas you mentioned. Plus, you now have the choice of 9MM, .40, or 45 ACP.