I must be one of the few people in the shooting world that is not impressed. Reliable - yes but......
I shot a variety of ammo and mixed it up in the stack. It all went bang every time. I was set up at about 50 feet so the distance was not extreme by any means. A consistent pattern was never found. It wasn't the usual correctable issue of being high right or low left (finger placement, heeling, etc) I was just scattered around the center at about a five inch radius. The weapons were switched to see if it was just me. The EAA was fine along with the SBH. I went back to the XD to more scattered shooting. An ammo change didn't make any difference.
I must say that I could shoot the PF9 better if I really took my time. I have difficulty with the PF9 due to its small size and horrendous trigger pull/length. There is an armalaser on my PF9. At 50 feet, the dot looks like a fly trying to find a place to land while pulling the trigger. Kevin refers to this type weapon as a "get off me gun" and I agree. Don't bother taking it to a shoot unless you just want to amuse the bystanders and keep the manufacturers of ammo components in business.
I found the XDm to be no more than another "get off me gun" and not as concealable as some others.