On a 1911 you can put your thumb on the hammer and de-cock the weapon, it's not possible w/ this weapon. I'm just more experienced w/ a double action external hammer, I'm sure I'll get used to the way this one operates.
The XD is striker fired, there is no hammer. If you're used to having a hammer it can take a while to get used to. What you describe doing with the 1911 is an extremely huge no-no unless of course it's unloaded then I can see your point.
You will love it. I've owned two XDs my current is an XDM two-tone 9mm it's the sweetest shooting pistol I've ever shot. For the size of the grip I cannot fathom how they managed to get a 19rd flush fitting magazine but they did. "thumbsup"