I have had my Xd for over a year, never had an issue. It was stored in a foam/nylon SA gun rug Case for most of that time. I just recently started carrying it. I use a couple different solvents, Gun Scrubber by Birchwood casey, and hoppes copper solvent for the bore, I have also used break-free.
Inside of slide & frame, I always follow with a light coating of gun oil, than one wipe with a dry patch. Oil on the outside of the slide, than a good wipedown, than either a silicone rag, or a coat of rem-dry dry lube. In the winter I don't bother with the oil, since I don't want the outside oily at all.
Michigan has a humid season and a dry season, its dry now.
"The Sound of freedom is a .45 empty bouncing off the ground" ~ Rob Leatham