I also have the XD40, only with a very bright flashlight and laser site mounted under it. The very bright flashlight blinds and fully illuminates the perpetrator, the red dot tells you just where to aim.
This sort of setup is a perfect in home weapon. My life was threatened once by a person that actually entered our home when we were away to prove she could do it. Mentally speaking, I was prepared to do whatever.
I have, or used to have prior to the rowboat accident, a red dot but no flashlight. Never had to use it, but now that it’s gone, I don’t have to worry about it anymore.