Welcome to TFL.
As Ferretboy said, there's nothing wrong with an XD9. I don't own one myself, but from everything I've read and heard, it's a reliable, user-friendly gun. Then you'd just have 1 gun for EDC and HD. IMHO, that's not a bad plan. You could spend the $800-1000 on ammo, training and range time.
Let me ask this, though: What is it about the XD9 that makes you say it's less than ideal for EDC? Size? Depending on your wardrobe, climate, etc., you may be able to CC an XD9 just fine. There are a fair number of folks who CC Gov't-model 1911s.
I'm a lawyer, but I'm not your lawyer. If you need some honest-to-goodness legal advice, go buy some.