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.
Good question. My concerns are:
1) No manual safety besides the grip safety
2) The slide is a little tough and it is SA-only
3) It seems to my unfamiliar eyes a little wide for CC but that is with zero experience carrying. I'm close to just getting a solid leather holster just to see how it feels if that is a good plan.