Not sure why the thumb safety is hurting your times. It should be coming off long before the pistol reaches eye level, if you're executing the draw properly (see Drawing and aiming technique). 1911-based designs dominate speed competitions, and they all have thumb safeties.
It appears that the thumb safety on the XD is just an LE option at this time.
Anyway, some manufacturers tend to keep their dealer prices a pretty closely-guarded secret. You might find the info in Shotgun News. This guy, http://wholesalegunbroker.wordpress.com/, claims these are wholesale prices on XDs. I don't know that it's true, though.