Here is my advice.
The first thing you need to understand is that at the beach, you want to HEAR (and usually DIG) everything. To discriminate trash at the beach is to lose ALL of the good stuff...the GOLD. Because gold and aluminum are one and the same to a metal detector.
I HAVE used (but not owned) an XLT. I have OWNED (and mastered) a DFX. The XLT is at a disadvantage at the beach in that it is a single frequency machine. Single-freq machines are usually dead-meat in the wet sand or the water...they are just too unstable and "chatty". If you "dumb it down" a little, or stay in the dry sand, you can do OK with it. If you want to beach hunt, you need a better machine than the XLT.
That said, to help you out NOW, I will offer the following:
Set your TONE to about in the middle.
Set your AUDIO DISC to off.
Set SILENT SEARCH to off and the threshold tone to a slight hum.
Set MIXED MODE to off.
Set A.C. Sensitivity to about 60...maybe even 50 if it's unstable, or lower if need be.
Set the D.C. to about 25 or 30.
Set RATCHET PINPOINTING to off.
Set TONE ID to on.
Set MODULATION to on.
Now scan SLOWLY and adjust the A.C sens as needed to make the machine fairly stable. Dig everything that moves but pay special attention to the LOWER tones, as these will be likely to be gold rings. Or pull tabs. Take a gold ring, a nickel, a pull-tab, and a balled up piece of tin foil and scan over them in a clean area with these settings. What you will hear is what you are looking for. That's what gold sounds like. If you use these settings and you pass the coil over some gold, you WILL get it.
As for WHERE to hunt, I like the water's edge at low tide. Down there in the area that is waist-deep at high tide and wet sand at low tide...that's where the bulk of the goodies are being lost and will be found. If your XLT is still too unstable in the wet sand, go to the higher wet sand and the lower dry sand (the blanket line) and you can still make some nice finds.
And above ALL ELSE...get out there and HUNT!
Hope that helps...