Well...for me it depends on carrying because I live in the South so carrying a 5" when it's warm 10 months out of the year isn't feasible for me. I think weather is a big concern that people don't take into account about carrying too.(Finish because of heat/humidity, and heavier clothes because of winter will make you adjust what you carry) Have you shot a .45 compact with a XD? That is a hefty round to shoot from a compact if you don't train with it. I wouldn't worry about the accuracy between the two. If you were competing with it sure...but if you train to defend yourself(closer proximity) you won't notice the difference too much if at all. As far as bi-tone the price will be a little more than just black.
By the way forum...thanks for the help and info. I just bought my bi-tone XD40 this past weekend. I love it!!! The first of many I assure you.
Does anybody on this forum COMPETE with a XD of any caliber or may know somebdoy that does? I would like to hear some opinions of how the gun performs in that respect.