I have a friend that has 2 XD's and an XDM and at 25 yards you can't keep them in 10" with Rainier bullets and I've heard of a lot of other people on several forums have issues with them as well and for what they cost you can add a little money and buy Zero or MG.
And as also stated you shouldn't need 4.4 titegroup to make power factor, I have a 4 1/4 and 5" M&P's and a 5" 1911 9mm and can make power factor with 3.8 titegroup and 124 or 125 JHP's.