I love my XD9 - rugged, dependable, and it eats just about any ammo I can throw at it. And my 17-year-old, who's 4 foot 10 and 100 lbs, can operate it without too much trouble, though she prefers a .22 given the choice.
The only thing I'd suggest if you buy an XD is to buy one of those UpLULA magazine loader thingies, too - the XD magazines have very strong springs, and I find that the loader which came with the gun makes my hands hurt.
Tammy (in Santa Barbara County)
"Courage is the price that life exacts for granting peace." ~ Amelia Earhart
"Experience is what allows you to recognize a mistake the second time you make it." ~ Unknown