You know what helped me? Draw drills at the range.
Go to the range or call, ensure that they allow holsters and drawing from holsters. I would recommend y ou do this before anythign else because alot of public ranges and some clubs that own thier own ranges have strict rules about this because of idiots who draw with thier finger going right to the trigger before aiming and the resultant "accidental" idiot-fires. If your range doesnt allow it, find one near you that does. A drive to get to the range and get this practice done could be well worth it in the unlikely event that you ever are forced to draw down on someone.
Anyway, find a range that will allow holster drills. Ensure that you can both spend the time (probably a couple hours) AND can afford a decent amount of ammos to properly drill with. (In other words, dont expect to just go for half an hour and go through a 50 round box and feel comfortable.)
1) Practice going from "ready" to target and firing, untimed. This practices mechanics. Ensure that your finger stays off the trigger until you have an aimpoint. This is an untimed drill (so dont hurry! do it right!) meant to reinforce the basics. No double taps, take your time and rebuild your sight picture before each round. Up-fire-fire-down is a good pattern that I personally like. I would recommend doing this every time you go to the range no matter what. A return to basics is always a good start.
On the same token, dont burn much ammo on this unless you havent fired your XD in a while. A magazine or two should be fine.
2) The next drill is going to be an unresisted draw. Start with your gun in your hand next to your body, roughly where it would be on a draw. DO NOT STICK IT IN YOUR PANTS OR A HOLSTER OR WHATEVER. Make sure your finger is NOT in the trigger guard. Just like before, you are going to draw (unresisted) and then pull your handgun to firing position, acquire a sight picture, and fire. At first, go slow making sure that you are following the correct technique. Your finger should not enter the trigger guard until you have acquired a sight picture.
As you spend more time on this drill, slowly speed it up, ensuring that you do NOT sacrifice technique on the drill for speed. Remember, "fast" is relative. There is no one shooting back at you and its best that you take your time and do it right and ingrain good technique so that when you do later or more advanced drills you are doing it right, every time.
3) Tension-adjusted light dry-fire draw. If you have a holster and are comfortable that you can now do a draw without resistance, adjust the tension on the holster, using your XD to test tension while unloaded. Right now, you are going to want to adjust tension downward so that you have minimal retention. If you bend over or move around a little, the XD should not fall out but it should not resist your hand much on the draw. You want to get a feel for the direction and method of the draw. You dont even have to be at the range to do this, just somewhere where people arent and wont be alarmed that you are doing this. ENSURE YOUR HANDGUN IS UNLOADED.
Starting from standing straight up with your gun holstered and your hands at your side, grab your XD in the holster, smoothly draw your gun, and point it at your "target". At the same time as doing this, assume your stance and balance of preference. I prefer a modified weaver stance.
In my case, as my hand goes from my right hip to draw the weapon up, then forward towards the target, my right leg moves behind me and I align my body towards the target, bringing my left hand up to support my shooting hand.
With a sight picture, insert finger into trigger guard, dry fire at the target. Drop the handgun to ready position, then re-holster.
Again, this is an unloaded drill. The emphasis here is on an unresisted draw and re-holster of the weapon. You want to be comfortable with the mechanics of removing and replacing the XD in and out of the holster. You will dry fire the weapon. Dry firing an XD will not harm the gun as it uses a striker-fired system, dont be afraid to do it. Make sure both the chamber and magazine are empty before performing this drill and, as always, never point the handgun at something that you are not willing to put a hole in, in any case.
Start slow and as with the other drills, speed up as you become more comfortable. Make sure that you are still not putting your finger in the guard before you have a sight picture, ensure that at no time your gun is sweeping your body parts or anything around you. (E.g. the gun should remain in almost the same plane of movement the entire time.)
4) Without adjusting tension, now load two rounds into the XD. This should be done at the range. Chamber the first, leave the second in the magazine. Execute step 4, this time acquiring a sight picture and live firing the handgun. ALL NORMAL SAFETY RULES APPLY. If you aren't comfortable with what you are doing, return to step 3. Remember, the focus is on draw mechanics, safety, and accuracy. Speed will come with practice and a greater degree of comfort with your handgun.
This is easily the most dangerous of the training processes. All it takes is screwing up your technique once and being careless to make a HUGE mistake. Dont move past your comfort level and if your arms get tired or you need a break, by all means take one. You arent paying an instructor by the hour and no one is grading you.
5) Repeat 3 and 4 above adding more tension until you reach the tension point that you intend to draw from.
6) Repeat steps until you reach both a draw speed and comfort level with your handgun that you find acceptible.
Practice, practice practice. If you dont shoot at least once a month, go back to the range for refreshers. If you intend to carry, you assume the burden of being trained with the handgun. Self training and self practice is critical. Courses are great but we arent going to a new advance tactical splendiferous shooting course every month so make sure that when you have the chance to go and practice, you do so.
Please, for the love of all things holy (and even some of those not), you make sure that SAFETY is your #1 concern. Know the law. Know your capabilities, and for gosh sake dont make the stupid mistake of trying for speed before technique. Speed comes with practice and training.