I started using the XFer at Geronimo's urging in the fall of 2013. As a minimalist holster for AIWB and a WML, (M&P/X300 first, then G19/X300, now back to M&P/X300) I'm real happy with it. Especially for to & from work carry.
However, I've had Bawidamann Gotham for quite a while and I've started using it daily. Re-holstering, especially with a thumb safety (or Gadget equipped) pistol is less complicated. Still trying to decide on hooks or soft loops. Other than that I'm happy with the holster; enough so that I think the XFer will see only very limited use.