I saw about a $50 price difference between the black XD9 and the stainless one when I bought mine.
I chose stainless so that if I drew the gun, it would be highly visible and give someone the absolute last chance to stop what they were doing that made me draw in the first place, high-tail and run the other direction.
Also, because scratches can be buffed out, whereas the black finish is expensive to repair.
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