(quote) Are you saying that the XD does lock open even if it has a loaded mag in it? (unquote)
Good point, lasersailor. I practice feeding loaded magazines at home, but I won't chamber a shell at home. So I've had the slide lock open only when there is an empty magazine in it.
The manual says the slide could be locked open with a loaded magazine; I'll have to doublecheck that at the range. I cleared those few misfeeds at the range without needing to lock the slide back.
I'm still curious about 100% shell feeding, though. The few times a shell didn't load, I thought I simply didn't pull the slide back enough. There's a feel that comes with practice, of course.
Yet I still marvel that apparently some of you have never had this problem, so I have to wonder if my problem is me or the gun? Probably me.
Note this gets back to the core debate whether a revolver or pistol is more reliable for home defense. As some have pointed out, revolvers can screw up too if the cylinder is not fully seated or a shell is not fully inserted.