i have an XD .45ZACP Service full size.. it's true that you have to get used to the trigger pull, the break and the reset.. once you get those memorized, there is nothing wrong with the stock trigger.. but, personal tastes run wide.. nearly every report of either the Springer or the PRP trigger mods have resulted in glowing reviews..
it's a simple fact, that you are not going to get a 1911's trigger out of the XD.. if you are looking for something like that, you will not be happy with anything less than a 1911..
people have reported that they get FTFs.. which IMO is due to the magazine springs that are being used in the current production magazines.. that, and the poly follower having casting flash that hinders free movement in the magazine.. the flashing wears off, but you still have the issue of weaker mag springs.. most people who have had problems with FTFs (i.e. nose down) replace their mag springs with higher tension aftermarket springs, and the problem goes away..
the only other real issue with my XD is the sights.. the stock sights are fine, but they are 3 shades of impossible to adjust.. the dovetails on the slide are tapered.. you can move the sight from left to right (with the muzzle pointing away from you) but you absolutely cannot move them right to left.. it's not going to happen.. and if you actually remove the stock sight, you cannot reuse it.. afaik.. so you have to get another sight for it.. and don't attempt to try to adjust the sights without a specific sight pusher.. a punch and hammer will just result in alot of wasted effort..
i've lightly polished the barrel ramp, manually with my pinkie finger tip and MAAS metal polish.. it didn't take very much work at all.. i'm not really sure if it really needed it at all, but i did it..
other than that, it's been great..
the M&P has really nice ergonomics, it does fit the hand well.. but, there are things that i just don't like about it.. the .45ACP holds 10 rounds, the little take down lever.. these are somewhat petty things that most people over look.. but the thing that i didn't like was the trigger's gritty/sandy feeling.. wow, i just couldn't get used to something like that.. i'm sure that it could be polished, or that it wears in and becomes smooth over time.. but i just didn't like it.. other than that, it's a great pistol..
for me, the XD is pretty close to what i want.. and with a small amount of money and time, it would be very close to my exact..