i was in the same situation a few months ago. My biggest problem with the M&Ps is the price of their magazines. At the time they were going around 40 bucks if i could even find them locally. Now the prices have gone up to 50. I almost walked out with the XD until the counter guy told me about the range kit he had in the back which came with 3 magazines and at a price of 440 I had to take it. Love XD's and glocks but I think the M&Ps shoot just better enough to buy them. Now i have a 9fs to go with my 40c.