The holster that comes with the pistol is only for RH carry. I personally don't like it for CC anyway, it feels like it sits off the body too much. I carry a XD9 SC regularly and I use a Galco M7X Matrix holster that works really well. I have to admit at first with the holster on it was really, really tight trying to unholster the XD. With some work though -- gently flexing the holster open and putting some clear kiwi polish in the area of the trigger guard the draw is quite a bit easier. The things I like about the holster is first the cost (approx $23), it holds the pistol in tight to the body, and even though I've got it to loosen up a bit it is still too tight for someone else to snag it from the holster without a fight. (Draw pretty much has to be straight up too, but that keeps others from snaggin el pistola too)
The XD gear holster isn't terrible, but I would only use it for open carry..... My $0.02.