Sure is nice that they give you a full belt setup with the XD.
Looks like the holster does not have a snap, or captive holding system. Do you think someone could come up behind you and pull it out? Most CCW holsters I have seen don't have any snaps or buttons. My guess is that it is a good holster for CCW.
I am sure others will chime in about it. The XD is selling very well. Good rep.