a couple thoughts, I had an xd 40 and I could not hit the broadside of a barn with it, its going to be a heavy pistol, don't listen to what others say, you will not wanna carry this as a CCW pistol, yeah some guys do, but they are way too diehard for me, some guys say they would but the reality is its a sit in the safe type of pistol.
the other thing is the xd is a DAO only pistol which means you will have a very very long heavy trigger pull which makes shooting the gun accurately very difficult, since its a full size gun and having fun at the range or wacking a bunny is the most likley thing for a pistol like this, I highly recommend a pistol with an expossed hammer on the back, this means it can be fired single action, single action triggers are alot more workable and can be worked to shoot much much better than DAO.
with that said if you still want a full size pistol I recommend a CZ 75 or browning high power. its going to be way more accurate and with a tuned trigger will walk all over the XD in the accuracy dept.