So this thing finally showed up today. (Super fast shipping :D)
First impressions are: Holy cow this thing is a POS.
The XDs does fit in it, if you push hard enough. It will also fit in *just* enough to cover the trigger, but not the whole trigger guard. Worse, since the holster is two identical pieces of flat leather sewn together, there's no "angle" retention. That is to say that the gun can pivot like 20 degrees as seen from the top. (Imagine the barrel is the axis it pivots on) so that the grip might be held close to you, it might be dead fora-aft, or it might be angled out from you. It seems to have the same tension either way.
I'm out of town this week, so I'm going to leave a pistol and mag in it on the workbench til next Monday and then I'll look at it again, but so far it's a hard pass.
Now I know. (and knowing is half the battle!)