I'm betting that the XD will digest anything you feed it, right out of the box - my XD45 did, and has never belched the first ime in abouit 2000 rounds.

Speer Gold Dots, Remington Golden Sabres, and Hornady XTP are a few of the premium brands that I've used in my 9mm's, and there's not a nickel's worth of difference in any of them, in my opinion. Any name brand is going to be fine for SD, and anything that will feed is going to be fine for practice.

You will likely find that the only over-the-counter practice ammo you can find is in 115 grain. I would recommend trying a variety of bullet weights, because different guns will like different weights. All of my 9mm's shoot closest to POA with 147 grain ammo, but that's probably just coincidence. You may not notice much difference until you have put enough rounds down range to be shooting really well.

You can find different weight practice ammo by buying online. Personally, I hand load my practice ammo, so I usually load it to approximate the same thing I buy for SD ammo, but it's not really necessary, as long as you know what to expect from your self defense ammo.

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Both my XD9SC and XD40 ate everything I feed them. WWB from Wally World was the standard practice ammo and at the time Hydrashocks were the SD round.

I've shot cheap Federals, Fiocchi, and Winchester White box all with no issues. I have about 500 rounds through so far with no problem at all. I have yet to shoot jhp rounds.

for defensive purposes i carry 124gr +P speere gold dots and for target i shoot a heavy 147gr to make up for the kick of the +p