I've logged plenty of miles on both, since my riding partner has a 2009 Vision and I bought a 2011 Cross Country...
The Vision has superior wind & rain protection, but it's freakin huge and very top heavy compared to the XC. With a few accessories however, the XC can become pretty close to having the same levels of protection as the Vision. The addition of Lowers and Highway Bar Closeouts has helped tremendously, as does a taller windshield.
For the most part, my buddy HATES his Vision because it's just so big for a daily rider since it's his only bike. Victory didn't make the X-bikes when he bought his though, so he didn't have the option of one or the other. He traded a Vegas that he loved for the Vision, based solely upon the "Wow factor". BTW: He's removed his trunk, which was no easy task.
As for me; I've been through 4 brand new bikes since this past April, looking for the "perfect" bike for me and my preferred riding style. Having already had the luxury of riding his Vision, I knew that while I loved the engine performance, it simply wasn't the bike for me. After my C50 Boulevard (which I was perfectly content with
) was totaled in the spring, I bought a 08 Nomad but pretty much hated the lack of power from day-1. After 3 months with the Nomad, I traded it and my new sport bike for the 2011 XC and haven't regretted a minute of it.
The XC was designed to be incredibly versatile with so many of the new "Lock and Ride" options available. My wife and I have so many of the options for our bike, that I'm pretty sure we actually have more invested in it than most people have in their loaded Visions... The difference however is that within a matter of seconds, I can re-configure my XC from being a fully loaded highway touring bike w/ trunk, to a 2-up cruiser w/ traditional passenger backrest, to a low-slung solo'd bar fighter. You absolutely can't do that with the Vision!
Since they have the same engine and tranny, it's all based upon style at this point, especially since the XC w/ Trunk has far more luggage capacity than a Vision.
Hopefully this helps.