well I got one of the two holsters I ordered. a tulster AIWB holster. I'm still waiting on the stealthgear holster to arrive. the tulster is extremely minimalist being 100% kydex/plastic and only covering the barrel and trigger guard. it's really nice carrying around 10:30 position as a cross draw but I had some discomfort carrying any closer to center and on the right side. it does conceal very nicely, even with the extended drip I almost never print which is always a real concern of mine and a huge drawback to most of my holsters. the issue I have is since there is no padding between the handgun grip and my skin, the texturing on the grip does tend to dig into my stomach(I do have a bit of a gut), but overall I'm pretty happy with it, I definitely recommend one.
as to the new guy, this is more a thread I started because I use a less common variant of the XD-s and not as many holster companies make holsters for the 4 inch models. for your XD sub I think you'll have a much easier time finding a holster. I would recommend looking at the holster if you're thinking cross side IWB but not for strong side. the holster I went with for my XDM compact is a comptac Minotaur, I really like it.