I carry and XD40SC. I know what you mean about the short grip. For me the fix was a Pearce Mag Extension. It helps a lot more than you would think. Option 2 is to simply use the longer standard size magazine. It doesn't help concealment, but it does make it better to shoot. My 40SC is actually a pretty decent shooter, certainly much better than I expected. Of course the next size up compact would likely do just fine for you.
Pearce Magazine Extension Springfield Armory XD 9mm, 357 Sig, 40 S&W Polymer Black - MidwayUSA
As for CZ, Definitely worth a look. CZ75 compact and P07 can be had for less than $500 with a bit of looking. I have a full size 75 and it's a great all around pistol.