I hate to be "that guy", or one of those guys anyway, but I'm a bit neurotic and I get absolutely obsessive over the tiniest details of a pistol before making a purchase.
In the case of the XD, I can't get past the grip safety or the fact that it went from a 200 dollar pistol to a 500+ dollar pistol just by stamping the SA logo on the gun some years ago. I feel like the quality isn't there. Refer to my username on that one.
For the M&P, I'm a much bigger fan of this one. It's almost perfect for me, except that the grip is too slick for me. My hands sweat a lot and the M&P line leaves me in need of adjusting my grip too often. This can be remedied with a decal grip or custom stippling, but I just don't like either. I'm not sure why, I just prefer the vanilla pistol. The only things I ever swap are sights and factory part kits.
I would go for a Glock or a VP9, personally. I've owned a PPQ in the past but it also slid around in my hand a bit. The VP9 texture is a bit more rough, and that's a main selling point for me. It's what I've been carrying for almost a year now, not long after it came out, and I've been extremely happy with it. I also LOVE Glocks. Super simple, very utilitarian, no issues with the grips for me, tons of options both factory and non, and easily compete with the M&P and XD lines even though they predate them by a long shot.
Just my opinions. Take them for whatever you think they're worth.