For 40 cal...

Glock 23..40cal... pretty much identical to a G19(9mm).. 13 rounds of 40.. Perfectly acceptable ccw.

XDs are alright. Some of the guys who shoot the serious combat courses have trouble with their xd's when they get dirt in the mags... Say it's muddy, and you do a non retained mag swap... Kiss that mag goodbye until you disassemble, and clean it. They have nice safeties(trigger, grip, loaded chamber, striker cocked) if you're into that sort of thing.(I'm not)
Still though.. XD40 compact would be just fine.

87 Raider 4D56td v5MT1
31's..Basically Stock