Oh. I forgot to mention a fews things. I use the "Hoppes #9 pistol cleaning kit." It woulds pretty well. The Springfields come with a bore brush, so you don't have to worry about it. The Springfields, as well, hold up amazingly well when they get dirty and nasty. You won't regret getting an XD. I'd personally suggest going with a 9mm, but that's the whole mess of caliber preference. The 9mm is 2/3's the price of .45's and the recoil is much easier to handle (IMO, at least. The 9mm does "snap" but it's easier for me to recover the 9mm's "snap" than the .45's "push" and place a few rounds on target at 15 years quickly).
I also want to point out: the XD comes with a pistol case, holster and mag holder. For an Il resident, those will all be more than adequate. Being that we can't carry (open or concealed, at all), you don't need a good high quality CCW holster. I use pistol cases to transport pistols and a normal messenger bag to transport ammo and accessories to the range, it works for me. I also, generally, don't wear a holster at the range. I prefer to leave the pistol on the counter, rather than place it in a holster, as it's just added protection from accidentally sweeping someone with the muzzle.
There's really more "preference" built into all of this, than most people will let you realize. The mag loader, I'd forgo for now, as well. I've loaded thousands of rounds by hand into magazines and have NEVER had a problem. It's really built into my muscle memory at this point.
And keep this in mind: a lot of people will give you advice as though you will be carrying this weapon. But, being an Il resident, I know that you can't carry. I know that you're using this for home defense and sport, rather than concealed carry. You really don't need to worry about loading up on extra mags as much as some will make you think. If you're using this for home defense and you need more than 28 or so .45 rounds... something's definitely wrong.
The best advice I can give you is this: go to JR, The Gun Shop and any other shops around up there and look around for things. You'll realize just what you want and need.
Also, if that fishing and hunting store on Ogden Ave in Downers Grove is still around, the folks there were ALWAYS great guys to talk to. I'm just not sure that they exist anymore. I can't find any info for them on the web. It was in a strip mall about a block east of the Corvette Place (if you're from the Western Burbs, you probably know what I mean).