First of all, welcome to the forum.
Second, There is nothing wrong with using reloads in an XD pistol. I reload and have never had a problem that was ammo related. I really wouldn't feel comfortable using someone else's reloads because you never know how it is loaded. I know guys that like to load their ammo at 15 times the speed of light
. Just beware of friends offering reloaded ammo. If you reload, load, shoot, and enjoy.
Second, There is nothing wrong with using reloads in an XD pistol. I reload and have never had a problem that was ammo related. I really wouldn't feel comfortable using someone else's reloads because you never know how it is loaded. I know guys that like to load their ammo at 15 times the speed of light