I no longer have an XD45 but loaded 200gr lead SWC's with good results (still use 'em in my 1911's).
The proper mixture (HARD) keeps lead fouling from being an issue at all, and I had 100% reliability/performance even over 900fps.
For $82 per 1k shipped you can't go wrong--loaded ammo running $6.60-7.00 per 50rnds.
I haven't used Ranier plated bullets, but Ive used plated bullets from a couple other companies. The plating is extremely thin, and I found the lead cores to be fairly soft...so care had to be taken when crimping. Overall, though, a great way to save some bucks...but non-plated/jacketed bullets are easier on barrels and can get you better velocity.
For jacketed I've been using Montana Gold as I can get them fairly cheap locally and I have been very pleased with them. I still choose hard-cast 99% of the time though, for .45acp and .38/357.