So I'm thinking the answer to my question is yes.
The holster was OMG tight when I got it home. So I tossed my XD into a ziplock back. Dropped that into the original blue bag that came with the XD. Got the holster good and wet and stuffed the bagged XD into the holster. Let it sit for 24 hours (In AZ humidity and heat) and it feels perfect now. Hopefully this will work out well for me.
If anyone else is interested in this thing, here's a pic.
EDIT: I suppose a
link would be better then a pic.
UD.