I picked it ( XDService in 40SW) for the middle of the road factor, and I didn't have a .40SW yet, and I had two other 9mm's already.
It's definitely a little snappier than a 9mm, but I dig that!
The ammo cost difference isn't that great a factor.
If it's just a home gun, I'd opt for the 40SW.
That said, my next purchase will either be the Tactical or SC 9mm, or both.
I carry a KahrP9, in case you wanted to know
Damn gun disease.
"How'd you get the beans above the frank?"
Yes I am a pirate,
200 Years too late,
The cannons don't thunder, there's nothin to plunder, I'm an over 40 victim of fate,
Arriving too late, Arriving too late...