I have the XD40 subcompact and carry it daily. I generally use a Fobus paddle holster canted foward. I have been semi satisfied with it.

The thing I don't like about it is that it tends to push the handle away from your body at an angle. In other words the muzzle sits nice and tight against your hip but the grip is pushed away from the body, kind of like it is falling to the side even though it is tight on the belt. This causes the handle to print through your clothing. It's fine if you are wearing a jacket but not so great if you aren't.

I think I am going to buy a Hume "open top" or "agent" holster and see how I like them.

I would contact the folks at http://www.pistol-gear.com and ask their opinion. They have more XD gear and accessories than any othr place I have seen.