Pretty much immaterial on all points, as long as it was factory. If this was caused by a defective (overpressure) round, it could be anything—defects happen, albeit rarely this catastrophic in effect.What brand/product line/weight/caliber of ammo was used? What's the history of the XD? How old? How many rounds have been cycled?
If it was a squib…that’s really more on the shooter.