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Sounds like a very exciting ordeal to say the least. Out of all the things that did or did not happen, then end result was positive. Now, take what you learned here and apply it and all SHOULD be okay for you in the future.

Also...KEEP THAT XD CHAMBERED! I carry one in the chamber plus a full magazine at all times. The XD will not fire unless ALL the safeties are activated at the same time...which means, you have to have the grip safety engaged, AND the trigger safety is engaged, AND you have pull the trigger.