Welcome to THR Dickieray,
A lot of this really depends on you, how much experience/training you have, how big you are/size of hands, etc.
Accuracy is pretty-much inherent with all modern firearms -being able to hit targets and group bullets really depends on your abilities, experience, and practice. "accurate" also means different things to different people: some compete in Bullseye and shoot slowly, others want speed + accuracy, some shoot 25yards, 100yards while others only shoot @ 7yards (and still can't group). -It can take you decades to figure-out what "accurate" means to you.
With all of that said, the Springfield XD is a very good pistol in all calibers.