GG, I know they make a threaded length of steel you can screw into our hub with an adhesive and then use lug nuts to put the wheels on, I have seen other enthusuast communities swap from the studs to lugs, just never really researched it for the XF - but have been interested with the amount of wheel changes I do every year.

This is just an example for Audi and Porsche, but you get the point...

Lug Nuts & Stud Conversions-Rennline, Inc.