I've had a XD40SC for several years now. It's a very good quality piece. I've not had one problem with it. Decent trigger, and it's amazingly accurate when I do my part.
Bonus: It loves my cast bullet handloads. Accurate and reliable with never even a hint of leading.
I have a touch of arthritis in my wrists. Most of the time I never think about it. However, firing any full strength (SD or Speer Lawman) loads through my XD40SC reminds me after about 25 to 30 rounds. It's by no means overwhelming, but it's work to really shoot it well. It's tiresome & I get sick of it fairly quickly. I carried it for a while and I am confident in my ability to defend myself with it. It will do the job. But, it's a gun you need to stay in practice with, whether you enjoy it or not. IMHO, the XD40SC is not what I would recommend for a novice, especially a recoil sensitive novice. Knowing what I know now, I'd probably opt for the 9 mm if I were to do it over again.
Opinions vary of course.