I have an XDM 9mm 3.8 compact. I LOVE IT. I trust my life to it whenever I carry it. As a double-stack it is fatter and more difficult to conceal than say, an XDS... but the 13+1 capacity (I don't carry with one in the chamber) is awesome. I carry IWB, and it hasn't been a problem to conceal this winter. We'll see this summer, but I don't expect problems. Double stacks are harder to conceal than single stacks, obviously.
At the range I love the flexibility of the 19 round magazines. I try to practice with the 13 more than the 19 because I carry it with the short mag.
It is supremely accurate, for me. All of my friends that have fired have commented on the accuracy and how naturally it aims. I will say the trigger isn't perfect, a little bit of extra take-up, but it is very good, no complaints.