I have a Springfield XD .40, with a 3" barrel (The subcompact), and I absolutely love mine. Unless its used, or they have stripped the kit - It should come with a XD Gear Kit. Which is a holster, two mags(total), a speed loader, a decent carrying case, and a lock. Some models come with a cleaning kit. I like the XD holster, though it has no retention. I will be purchasing a Serpa 2 holster from BlackHawk. You will absolutely love your XD. You will not that no ammo, even reloaded, will upset these beasts. I've only put about 1200 rounds through mine, but its been a varitation of Walmart Cheapo-in-the-box-on-sale ammo to top shelf, even some reloaded from a gun show. On top of all that, the XD is extremely easy to field strip and clean.
Happy shooting. Let us know how you like it after you some steel on target.