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Not 100 percent but a lot of the time guns like that work on open bottom kydex and i could be wrong but i dont think anything is different on the xds 4 except the last .7 in slide length. Might just hangout the bottom but don't quote me on that.

Have you tried carrying the 4 inch model yet? It may work just fine and be OK.

I loved the feel of the 4inch xds! It's like a polymer CCO. It won't be any harder to conceal imo .7 in barrel length isn't much but .2 tenths in grip length is huge in some cases. I would keep it but that's me.