Hi J2R
I believe the main target for users of XWD are self builders with little knowledge of HTML/CSS and professionals who require a tool for rapid prototypying. Having said that, I and others have found it to be very versatile. Most sites on the web can get by without server side scripting, even some e-commerce sites, and the placeholders are ideal for snippets of code (javascript/html) when needed.
As for loading speed you have to keep an eye on image sizes.
www.goldenarrow.me.uk is a site I built recently with nothing else but XWD. Loading times are between 0.4 and 1.2 seconds. I have yet to optimise it.
Drwyd
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