I'd highly recommend the CQC Serpa holster. I've had one for my XD40 for a few months now and absolutely love it! I've been shooting IDPA "funshoots" with this setup about once a week. Other than taking a short time to get used to drawing with the retention feature (literally a few draws) I have not noticed any decrease in draw speed...then again I was never that fast to begin with. I've never had this hold my XD loose. As a matter of fact, I have the tension screw backed almost all of the way off and the Serpa feature does all of the retention...still no rattles. It's light yet very sturdy and holds a lot tighter to the body than my old Fobus ever did. Plus, Blackhawk give you both a belt and paddle attachment. Never thought twice about this purchase!