I've never owned an XD before, Glocks, S&W, RIA, 1911's, Sigs but never a XD. I traded a G36 for a XD45 compact on Friday, on Saturday I went to a local gun show in Birmingham with no intention of trading it but rather getting a pancake holster for it. Well after finding only one XDs and holding onto it I asked the Vendor guy what he would do on a trade. He replied "what do you think?" I replied with "my xd45 and $100 for the xds" The vendor accepted the deal!!!!
I went to the range today and put 200 rounds downrange. I will say that after the first magazine I was kinda regretting it at first because of the way the grip bit my hand. Once I figured out how to hold the weapon a little better that fixed that issue. I ran 15 rounds of old zombie max 230gr, then a few box of 230 FMJ zero reloads with 4.2gr of Bullseye powder. No jams or any malfunctions what so ever. Then I ran a box Hornady JHP/XTP 185gr all flawless, I am very happy with the weapon, I only wish that I could get one more round in the magazine but I can deal with it and carry an extra magazine with me.
The weapon conceals extremely well, the paddle holster that it came with will work just fine, it's just as good as the Fobus that I bought for the M&P9c.
First two mags of Zombie Max 230gr
(since I can't post pictures or links until 10 posts you're going to have to wait a bit)

Second pair of mags (230 FMJ Zero reloads with 4.2gr of Bullseye)
Hornady XTP 185gr
Overall, I would trust this weapon with my life. I want to get a lighter trigger and the pull could be shortened but it's not Sig P250 long by any means. Time to get a pancake holster, another magazine, and mag pouch and I will be set.