The Xtreme Duty Holster is pretty much the same thing as the Fobus Paddle holster.. OWB.. and I LOVE that thing! It's not meant for concealed carry.. obviously.. but it is dependable, comfortable, and after a couple of hundred pulls to break it in, it ROCKS!
For concealed carry, I have not had very good luck. I bought a Don Hume IWB that is barely useable. If I lubricate the interior real well, I can reholster it with only a little difficulty. It seems to me I shouldn't have to do that. I am waiting for a FIST holster from Gunners Alley.. it sure is taking a long time for that to get here... I am a little dissapointed with how long this is taking. It's an Ultra Thin Kydex IWB for my little .38.. if I like it (if I get it) I will buy one for the XD.. We will see.