When the wife and I were looking at the XD, we rented one at the gun shop to try it. My wife had a FTE about every 3rd or 4th round. I had her let me try to see if I could reproduce the problem. I put 2 full clips through it, and not a single problem. I was the one who ended up buying one, and havnt had a single problem yet. The gun is only a few weeks old, and I have only put 200 rounds through it though, but the problem with my wife was that she was limpwristing it. When mine came in, she put 2 clips through it, and had no problems with it.
I also have a Taurus PT-111 millenium that has been a great CCW gun...But the extractor pin broke12 rounds in. Taurus's lifetime warranty repaired the gun with no problems, in about 12 days. never had a problem since.
That being said, there is an interesting article here
Pistol-Training.Com Blog Archive Trust No One: an insider’s perspective talking about how NO gun is perfect. People talk about reliable there guns have been. Reliable just mean they havnt had problems with it so far. This is why we have lifetime warrantys on our guns. Don't settle for less!