I'd go with the XD as well.
I just got the tactical (5" barrel) version and i love it.
Much nicer than the Glocks that i have owned in the past.
Basically strips down the same way except it's easier to do.
same type of hammerless design, has a double safety in that is has a grip backstrap safety as well as the trigger safety like a glock.
does not come in 45 as i recall, but the 40 is still nice.
it was basically the same price as well.
plus it holds 12 in the magazine for the tactical model.
as to CCW, yeah, if you've gone through all of the requirements and background checks, then you are aware of all the laws and not the one I'm worried about.
It's all the little wannabe punks and thugs carrying them without a lisc that i worry about.
And it's been proven that allowing people easier access to CCW permits reduces crime quite dramatically.