If this is going to be your first handgun, I recommend something in the compact size. Both XDs and M&Ps come in this size, and the Glock model 23 is a compact. This will allow you to conceal without too much trouble while retaining a lengthy-enough barrel to put shots where they count without much difficulty. In terms of these manufacturers, I've 95% sure they all stand behind their products for life if you buy new (and some even if you don't buy new, although I don't know which). They are also known for their products reliability so I wouldn't give this too much thought.
I find it interesting as a first handgun all of your choices have striker action (as opposed to hammers). There is nothing wrong with this but I was wondering if your list of candidates was given to you by someone else? I prefer hammers myself, but mostly because I learned on a 1911. This is just food for thought.
Also, as a first handgun, you may want to consider going with a 9mm or a 45 ACP. The 40S&W round, while not necessarily punishing, does have a sharp, snappy recoil and can irritate novice hands, especially in a compact-sized weapon. Comfort issues and blisters did occasionally come out whenever I shot Glocks 22 and 23 (40S&W fullsize, 40S&W compact), but I never had an issue with the Glocks 17 & 19 (9mm fullsize, 9mm compact). Recent ammunition spikes in price and lulls in availability might also lead one to choose a caliber which is cheaper and/or easier to find. It is also for this reason I think you should consider a 9mm weapon in particular.
Hope this helps!