Well, I do not have 1 - But, I have read a lot of rusting complaints even among XD fanatics on the XD forum. And, for now, only the 45 XD has the new melonite finish. They are supposed to phase it into the other models as well -- but from what the consensus is on the XD forum, that has not occurred yet. I've also read about some locking block issues and some people with peening issues. Although to be fair - every gun company makes a few lemons.
And, I've even seen some people complaining lately about peening on Glocks. I was a bit surprised about that...
I'm not an XD fan myself, but it seems that everyone is crazy about them
Last Nov, I almost bought a green XD new at the Houston gunshow for $385. That was a GREAT deal. Now, they have raised the price of the guns, though. They are about at the same price of a Glock now.