First question:
Are you going .45 in both the XDM and the XD?
Second: Do the Differences between the two really matter that much? Could you buy the lesser one and upgrade it later?
Third: Whats your motivation on going to a .45? ei. Competition, Home Defense, Just Cool Factor.
Because if your going Competition then do the XDM. Tho difference of .25" is not that much. XDM Barrel=5.25 XD Barrel=5"
Now with the XD you can buy it cheaper then do, because with the saved money you can buy better sites, After market barrel (ei. longer, tho may stick out from the slide), more ammo, trigger jobs the list could go on forever.
Remember when a company puts National Match or Competition barrel in their gun who is the person that says it is a National Match or Competition barrel. (There is
NO outside company that test to "Certify" that it is a National Match or Competition barrel.)
Its just the Gun manufacturer that says it is a special barrel. Tho most are better barrels the the normal, you can get after market barrels that are better. Also remember most guns can shoot better then the person behind the gun.
If I were buying I would get the XDM 45. Because I could buy the gun then go straight to a Competition and Compete. But I also upgrade all my Competition guns. Because I'm a
Gear Whore.
Tho only gun I have never upgraded is my Glock 34 because I have to keep that bone stock to shoot in the GSSF Competitions.