10mm & Wirenut,
Thanks for the warm welcome. If I had to say right now, I'm probably going to purchase the XD-M 4.5" version.
One thing that's bothersome about this shopping and fact finding process is the lack of specific descriptions of "What's in the box?" What's included when you buy this? And that's true for the manufacturer, box house, and broker sites, too.
Oh well, just part of learning I guess. It's making me hunt and peck all over so it's not all bad.
Best to ya both,
[EDIT] - Let me add an additional thanks to my "neighbor" Michael.Ed! Howdy neighbor from Allen.
John