I carry my XDs in about the 4:00 - 4:30 position & it's very comfortable for me.
I've got a real nice gun belt I recently picked up from Tennessee Holster Company...I may just need to get used to it being there? Do you have your barrel sticking straight down or at a cant?
I went up one size...but I do have a two clip holster on order for my XDm. I'll try that one out also. This clip and go was a quick purchase based on reviews.