I've got an XD45. Great gun, no complaints about it. Over 1000 rds of the cheapest fmj I can get, and not a hiccup. I have been considering buying a Taurus, in 9mm though. I've heard good things about their customer service and the quality of their guns. Most of the criticism I've heard seems to be from non-taurus owners simply repeating claims about Taurus's reputation from a long time ago. If you're on a tight budget, the price difference is enough that you can't ignore it. Some may say, "Oh but that's only X boxes of ammo." Well, for someone on a tight budget, that X boxes of ammo may be all one can afford for the next 3-6 months.
Decide what your budget really is. Get it down to the dollar. And if both pistols and fall within that... then I'd recommend the XD. If not, then I wouldn't feel bad going with the Taurus.