Quoted: Why should I avoid the .40 (just asking)?
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because a .45 will stop a freight train dead in its tracks!
no reason really, some people just prefer .45.
i have a usp .40 and expert .45. the expert is the most accurate handgun (for me) i've ever owned, even over most revolvers i've shot (i can't shoot a wheelgun worth a crap sometimes). it's been ages since i've shot a standard usp .45, but both the tac and expert seem to have basically the same accuracy, maybe a slight edge to the expert for the longer sight radius.
that being said, my .40 is not very far behind. i can't shoot as well with it for longer ranges like the .45, but that's just me. i had a .40 compact, and shot it just as well as my full size .40.
to me, the expert is a joy to shoot. very smooth action, very nice recoil. it does seem to be a little slower with more push than the 1911's i've owned/shot (but admittedly, that's not many). it's extremely smooth-shooting, but i just think it has a bit more push.
any of them would be a great choice, really. myself, i generally prefer capacity. i'm looking to pick up a p2000sk in 9mm one of these days.
edited to add:
the compact's recoil system is a much different animal than the full size guns. the full size recoil system is a thing of genius, the compacts not so much. the pistol in any trim is an hk - with all its high points. but, the recoil systems are vastly different.