There is no “hammer” in an XD. As I said, it’s a cocked STRIKER indicator.
If the pin is protruding, the chamber might be loaded, or not. But if the pin is flush the chamber cannot is empty.
You are correct, there is also a LOADED CHAMBER indicator on top, but this is hidden when inside a holster.
The main thing is the protruding pin. If it’s down, the chamber is empty.
Yes I apologize for the confusion.
I should have mentioned that I agreed with you first.
There cannot be a round in the chamber if the striker indicator is flush.
Then I used the wrong term hammer instead of striker. Striker STRIKER.
I only wanted to clarify that a protruding striker indicator does not necessarily in all cases indicate condition 0
7