The XDs in the fullsize have pretty good "Pointability". The term "Subcompact" in a misnomer in the XD and Glock line, in my opinion. I find both too thick and blocky to conceal well in light clothing. On a belt holster with a cover garment, they conceal ok--------but passable if the holster pulls the pistol in tight to the body. As far as accuracy goes, like most any other pistol of this size, the accuracy is usually better than the shooter can hold.
Savage