Are you male or female?
How do you intend to carry the pistol?
Larger guns can be carried concealed, they just take more wardrobe planning.
There are lots of options for carrying on your person or in an accessory of some sort (purse, bag, “planner,” laptop case, etc.).
The Glock and the XD are both good choices. The Glocks are subject to NDs more often because many law enforcement agencies use them, and they get handled more often, so the chance of something bad happening increases. Plus, it seems that cops are more prone to the old “finger on the trigger” routine (Rule 2 violations).
Whatever you get, make sure it fits you and you can comfortably operate the pistol; loading, firing, unloading.
Winter clothes?
Different pistols?
I carry a .38 wheel gun....most of the time. But it's a bit bulky and heavy.....Better to carry in the winter.
I have a Sig P230...that I carry some. It's slimmer, and somewhat lighter. Better for summer...
I prefer the wheel gun though.....