I still need to get my ccp, when I get one I will be looking for a carry handgun.
My considerations going into it are reliability, ease of concealment, accuracy, and stopping power.
An XD-S is an object of desire. Little gun, lot of punch. I wish the capacity were a little higher but its a little gun, and the capacity is the same as my other immediate option, an old S&W Model 36 .38 special. I have a feeling that I would rather have the XD-S if a situation occurred that I felt I needed it.
I would want to put a a few hundred rounds through it before I started to carry it, both to familiarize myself with it and I would reconsider it as a carry piece if it gave me any hint of not being reliable.