If i were you then i will shoot another 1-2 rolls of Fomapan 100 @400 then develop each with XTOL at different time, one with say 10 minutes and the other in 20 minutes, then compare both, if you find one is giving you slightly better result then develop your main roll at about 2-3 minutes closer to the one you like [if 10 min then develop at 12-13 min, if 20 min is preferable then develop at 17-18 min].
I know it is not so practical or economical, but i always enjoy testing and experimenting with film, and that 5L of XTOL is plenty so i can use many films and still i have some remaining, just only film could be a cost issue [if it is LF sheet then expensive to buy many packs, but no harm to waste 1-2 sheets from one pack for test], 35mm films are reasonable prices and i can buy 10 rolls of one film.