Just a guess, but you’re ripping holes because of the combination of a non forgiving XF rod, heavy braid and locked down drag.
I’d say you’re ripping her on the set because of the power and setup of your combo.
I use 50# original Power Pro only because it is a 4 strand and can cut through pad stems better when it’s needed than a more manageable 8, that’s the only reason.
I’ve had great luck with 40# also.
As Dwight said, the strength of the line isn’t your problem
I too use a heavy action rod but with a slower action.
I tried a XF but now delegate those to bottom contact presentations only.
Mike