As many have said, I leave my 3.8" XD loaded with 147gr standard pressure Ranger T loads.

I have run +P rounds through my two pistols (3.8 and 4.5") and they are hotter for sure, in the "notably hotter" range are the +P+ rounds like the Ranger series and the Federal 9BPLE round.

I just ran some of the 9BPLE through my XD sub last week and I can assure you, the recoil difference is notable.