First, I never recommend Taurus for self-defense*. They're fine for range use (and I like shooting my 24/7 quite a lot), but there's too many of them that fail.
Second - The XD is a very good handgun. The compact version makes a great ccw, but I would not carry the larger standard-sized ones. However, if you don't mind hiding a larger sidearm, then you will do fine with one. Personally, if you are going that route, you should also look at the Glock 17 or 19, and the S&W M&P's, both of which I like a lot better than the XD. But you won't go "wrong" with an XD - it is after all the finest handgun to ever come out of Croatia.
Third -- the CW is very easy to conceal, and is both reliable and accurate enough for defense use. The fact that they are also cheaper than the Glock/XD/M&P triad makes me prefer it over the other two for concealed carry. This isn't to say that it's "better" than the XD -- it's just more suitable for ccw in my particular case, and may well be in yours.....
*the semi's anyway. Their revolvers are ok for SD.


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