The XD is super easy to take down. Much easier then a Glock. The XD is not like a Glock in many ways and takedown is one of them.

The XD takes down like a Sig, feels like a CZ in the hand, is polymer like many pistols today and has a trigger safety like a Glock or a Savage. It's the best parts of several pistols and put into one fine handgun.

As to doing several things at one time. If you have the gun in your shooting grip the grip safety is ready to go. If you pull on the trigger in one smooth motion it's ready to go.

The Ruger and XD are both good pistols. Try to shoot both of them and see which one fits YOU best. Good Luck.