I have also considered the springfield xd. Im just curious about the recoil having a higher bore axis.
I have a Glock 27 and like it alot (I also have a 23 so I can share mags/holsters). If I had it to do over though, I'd probably consider a 26/19 combination. Have you shot a 40 in that size gun before? Are you already invested in .40 caliber? How do you intend to carry it?
I don't mean to throw a wrech into your plans, and I dunno how set you are on those 3, but have you looked at the Springfield XD? It's a really nice weapon, I have the subcompact in 9mm and I love it! Sorry if you've already looked at it, but I thought it was worth mentioning!