I love my XD-45's, have one in the Service and one in the Tactical model. Only thing I don't like is that mine won't feed SWC's. Other than that it's an awesome pistol. Smooth action, nice trigger, and more accurate than I am. All that in a 13+1 capacity, what more can you ask for.
Also have a KP345, it's nicer to care than the XD and eats anything I feed it. I don't really like the size of the loaded indicator on the Ruger, it's much smaller on the XD. Also hate the magazine disconnect on the Ruger, took care of that the first day before even shooting it.
As far as accuracy, both are far better shooters than I am. Both are very accurate, only thing I shoot are cast bullets. Mainly 230 LRN over 4 grains of Red Dot.
Hope that helps, I think you'd be very happy with an XD.
I will have another XD in 9mm soon as I sell a couple revolvers.