Every one is loaded.. always.
Both are good guns, the Ergonomics of the grip angle are closer to that of a 1911 on the XD. The addition of the grip safety, loaded chamber indicator, a few more barrel sizes and finally a wider aftermarket supply has made the XD a viable choice.
The Glock... well it's a Glock, boringly reliable, great aftermarket options (parts, holsters, mags, sights, ect..) and plenty of community support for the series. Great gun and you really can't go wrong with them.,
Mind you I've shot a G21 enough to know it's dead nuts reliable and accurate, and actually own a XD45C. I went with the XD because the grip diameter felt better and the angle mattered to me. That was before the G21SF came out and not I'm seriously considering changing to that version. I just don't feel the need to rush out into that purchase becaues the XD is as reliable and accurate as I could hope for.
All of that is just my not so humble opinion and YMMV