Pros & Cons of loading just a few in the mag.

[MLeake]

The OP asked:

So is the whole point then of having a mid-size is having more rounds? I mean I know its better to have it and not need it than not have it and need it.

No, higher capacity is not the whole point, though it is a potential advantage.

Larger handguns are generally easier to shoot than are smaller handguns, due to several factors:

1 - Longer sight radius is typically easier to aim;
2 - Greater mass makes recoil control and follow up shots easier;
3 - Larger grip options may provide a better grip to hand fit for some of us;
4 - Better fitting grip (leverage) plus more mass (inertia) typically means the gun is easier to keep steady through the trigger pull.

So, higher ammo capacity is certainly not the only reason to carry a larger handgun. I am carrying a 1911 commander type right now, which "only" holds 8+1 - but I shoot that gun very well.

Still, I really see no advantage to downloading a handgun below its design specs.

[2damnold4this]

Either carry it fully loaded or sell your XD and buy a five shot airweight.

[Fishing_Cabin]

This may not matter to some, and I am sure others will disagree...

One issue you may run in to, if you have to use the firearm in self defense(full investigation), during the course of the investigation when its discovered that the mag capacity was "X" amount, but you only loaded "Y" number of rounds, then you will be questioned alot on the issue of "Why?" Some of the lawyers here can expand on that, but it is something I would take a while to think on.

[wayneinFL]

Move to New York. That way you don't have to decide.