bt380 has the best advice but if you can't do that, may I suggest that since you also mentioned XD, why not the XDm 3.8 9mm? It comes with both a 13 round and a 19 round mag just in case you need that many.
Its nice to know that if you need it, you can have 19 +1 or if you need to carry it concealed, its still 13+1.
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