Dear RKV:
I wish I could tell you, but I haven’t shot an XD. I’ve seen some people shoot them in matches, and they like them, but I have no first hand experience.
I do like the M&P trigger much better than a Glock’s, and I’ve been told that a non-professional can file the sear and make it even better.
I don’t think you could go wrong with the M&P. The interchangeable grip swells are great. I have an average size hand, so I have settled on the “medium.”
Let me know what you decide.
P.S. Is that a UC Santa Barbara sweatshirt? Do THEY have a pistol team??