Accuracy between the two with factory barrels will be a wash. The 10mm round would make an excellent dual purpose round and more than capable for what you require.

I have both Glocks and XD's. They are combat accurate guns. 3" at 25 yds might be the best you can hope for from an unmodified gun. I also have a Glock with a Wilson barrel that goes 1" at 25 yds.

You can't go wrong with either platform in a defensive gun that could also he used as a opportunistic meat gun.

Dave