I shoot a 5" XD for USPSA Production class, and I have been using a Comp-Tac Belt holster, ( www.comp-tac.com )and realy like it for that. I don't carry that gun on the street, I carry a XD40 4" in a Blade Tech Ultimate Concealment Holster ( www.blade-tech.com ). This holster has an adjustable cant, but I like the straight drop, I tried it canted, just didn't ride right for me. It is also a tuckable, so you can use it with your shirt tucked in. I think both companies also have mag pouches.
That's just what I have tried for now, I am looking for a good leather holster, I have spendy 1911 leather holsters I don't like so I'm looking a little longer for a leather XD holster.
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