I usually just carry one on my person. I have pretty well settled on my Springfield 1911A1. I do occasionally carry a small Taurus .38 if it is too warm for a vest or jacket. Then I sometimes have an additional item stored in the truck if the firefight gets too out of hand.
I'm personally buying an all black compact and then having it cerakoted in a dark tan color by customizedcreationz.com along with black lettering on the slide, barrel, and hardware. The cerakoted finish seems to be better than any other aftermarket finish for colors other than black. Of course they'll also hard chrome a slide to and have done many of the black slide xd's.
Wait until the XDM .45s come out. You may be more likely to find a good deal on the XD45 at that point. Or you may fall in love with the XDM instead...
Oh yeah, I carry (pick one):
A) XD40SC with 9+1, extra 12rd magazine
B) XD40 Service with 12+1, sometimes an extra 12 rd magazine
C) GP100 (.357 magnum) with 6 in the cylinder +2 speedloaders
D) S&W Model 327PC 2" (.357 magnum) with 8 in the cylinder + 2 fullmoon clips
E) Beretta Tomcat .32acp 7+1
G23 on my hip, and a G27 on the Ankle is my daily routine. When I ride my bike in the summer though I usually keep the 23 at home and just carry the 27 in my jacket.