-three mags standard
-optional manual safety (may require some searching, but they exist)
The XD does provide some really cool features, don't get me wrong. I think the grip safety and the striker indicator and really great, and the loaded chamber indicator is probably the best "standard" indicator on the market, but an extra mag with the FNP is something I know is going to get used again and again. And while this is personal preference, I like hammers much more than strikers.
Truth be told, I don't think you can go wrong either way. Still, FNP is my choice for reasons mentioned above. Have you shot either of them?