My suggestion is....Man up and carry a full size gun. Compacts and Sub-Compacts are for girls and girly boys.
Just kiddin'. I know you said .45, but being the huge XD fan that I am, I'd suggest the XD40 Sub-Compact 3".
Capacity : 9+1 RDS; 12+1 RDS w/X-Tensionâ„¢
Barrel: 3" Steel, Melonite, Fully Supported Ramp
Sights: Dovetail Front and Rear (Steel) 3 - Dot
Trigger pull: 5.5 - 7.7 lbs.
Frame: Black Polymer
Slide: Forged Steel, Melonite Finish
Recoil System: Dual Spring with Full Length Guide rod
Length: 6.25"
Height: 4.75" w/ Compact Mag, 5.5" w/ Extended Mag
Weight w/ Empty Magazine: 26 ozs. w/ Compact Mag, 27 ozs. w/ Extended Mag
http://www.springfield-armory.com/xd.php?version=62
Again, I know you said .45, but I would suggest this for a compact carry.