Wrothgar:
5 o'clock carry will print with XD's. The XD has less of a grip angle than a glock, so it sticks out farther from the slide resulting in greater print possibility.
The XD, I've personally discovered (with a fullsize XD9), isn't a terribly comfortable gun to carry. The slide is wide, the grip pokes out unless carried very close to 3 o'clock, and the grip has to be carried high and raked forward to accomodate the striker firing system and getting your hand into the grip window properly.
I have yet to find a better gun to carry every day IWB than a lightweight commander pattern 1911. A 4" or 4.25" barrel, aluminum frame to lighten the weight, and the single stack .45 design.
Something I am considering buying is a Kel Tec PF9. Single stack, thinner even than the 1911. Smaller than a J-frame revolver.
But: You should be able to adapt your carry method with your current XD subcompact. Move it to 3:30 or so. Rake the grip forward (FBI cant) a bit, so the grip window presses in towards your kidney and the grip kind of wraps around you.