I'll chime in, I just bought a 5.25" barreled XD(M) 10mm from Tombstone Tactical in AZ. Not a screaming hot deal, MSRP @ $779, paid $663 and free shipping but they're not easy to find.
Haven't shot any of the XDs and Bass Pro won't even let you dry fire a gun but the XD(M) 9mm that I handled felt good in the hand and pointed very naturally for me.
Thought the 10,000 rd test w/o malfunctions was a pretty good indication of durability and reliability.
Have to get some powder for reloading. Won't press the recommended limits at all, will buy factory stuff like Underwood for that. Have a box of Sig 180gr and will get 4 more boxes of Sellier & Bellot for range practice and fired brass as feeder stock for reloading.
Excited to get it but going out of town to visit our son for Thanksgiving so I can't get my hands on the gun until Nov 27.
As an aside, I confirmed with Bass Pro counter guys yesterday why they won't let you dry fire. Some creep asked to see a gun, dropped the mag, loaded a round and committed suicide right in front of them. POS, if you have mental issues, don't inflict them on others, off yourself privately. Don