The hard part for me would be deciding whether to buy the 3.8 or 5.25.
Having both an XDM 5.25 and XDM 3.8 Compact, with both fitting the same 3 holsters, I can tell you that the 5.25 is a bit long to carry. Carrying OWB the barrel wants to peek out of even longer shirt tails, and carrying IWB is just not comfortable with that long of a barrel. I can carry the 3.8 all day long and not feel it in my Crossbreed Supertuck.
Also when carried OWB, the 5.25 carried at 3 to 5 o'clock has a tendency for the barrel to hit the seat when you sit down in the car or a chair.
Get the 5.25 if you want a great gun to shoot and for home defense, or you carry OWB all the time and wear long shirts untucked all the time, and can deal with the possibility it hits the chair when you sit down. Otherwise, I would go for the 3.8 if you mean to carry it.