Bought this car to replace an '04 Vibe that got wrecked (it was a GREAT car, BTW). Our xD came bone stock with the manual transmission.
For the money, it's hard to beat. The styling is nice, it's practical, great on gas, and is nicely screwed together.
It *is* an inexpensive car though, and the cost cutting can be seen if you look close enough. For example, there's only a fixed interval wiper for the front wipers, and no interval wiper at all for the tiny back wiper (just on or off). The Bridgestone tires it comes with are horrible... they were replaced the 2nd day we had the car (I had some nice Pirellis left over from the Vibe, which fit on the xD rims and all).
The clutch is a little difficult to modulate (much like the one on my Saturn SL2... kind of an "on-or-off" clutch). The shifter is reasonably smooth.
Seating position is quite high (almost uncomfortably so), and there's no height adjustment for the seat. I'm 6'0" tall, and find that leaning the seat back a notch or two helps a lot.
Controls are laid out well, and the sound system is nice (though a little confusing to use at first).