I have the XD40SC. I love it. It is a little big for pocket carry. It is just right for IWB. Very good gun for the money. 469.00 out the door. I carry mine everyday with no porblems. Yes the finish does suck. But it is not the finish that I am after. I might get it refinished but I like the look of a well worn gun. Kind of like a well worn pair of blue jeans. Kind of make you feel very comfortable.