Well only you yourself can ultimately make the decision. I'll give you my viewpoints though.
If the 45acp is too expensive, and you will not practice as much as you think you should, then don't go that route.
I personally do not like the Hi-Power, but that's personal opinion. There are a lot of people that like them though.
The Taurus 92 is probably the only Taurus I'd personally purchase.
Of the choices you listed, I would personally prefer a new XD over a used Taurus.
What is the gun going to be used for? Concealed carry? Range? Home defense?