First off, I have owned my XD since 2004 and have never had a problem with it, till this past weekend. I went to the range with the wife on V-day

, and as always the first set down the range is my defense ammo that is already loaded in my XD (allowed to carry). I setup the target and click, no bang. Hmmm....ok maybe a bad primer. Clear the round and aim, pull trigger and click, no bang. A horendous feeling came over me b/c if I had to use this in self defense I would be screwed. I changed ammo in case it was a bad lot and same thing. I tried dry firing a few times and repeated to where maybe 4 out of 10 would go bang, at this point I was fuming.
I took her home and cleaned her out without taking out the firing pin assembly, put a pen in the barrell and it only came out about 2 feet or so. Ran out of time and had to put her back in the safe by my bed for the night. Next morning, had off of work so I took apart the firing pin assembly and noticed a small glob of something stuck to the firing pin. I cleaned out the firing pin chamber, springs, pin, and the saftey portion (pull out the pin and that piece pops out with the little spring). I reassembled everything making sure not to oil any part of that assembly and put a pen back into the barrell, held the gun low and click, the pen shot up to the ceiling (oops

). So I was extremely happy and once again faith has returned.
So the moral of the story is, take the time to clean out your firing pin assembly every once in a while (first time for me in 6 years), If you keep on top of it, it could be as easy as a little squirt of Gun Scrubber down the assembly. Also, never oil that area. I know I have placed a dab (a couple of times over the years) of Eezox not thinking that it would gum up over time with dirty ammo. So, please even if its not showing signs of lighter strikes, clean it, its soooo easy a caveman can do it. Overall, my mistake not the gun's. I still have 100% faith in carrying my XD.