Thank you for the info. Yes, unfortunately I do use the FX loop on my X3L for both my acoustic and electric patches. I run chorus, delay and reverb pedals in FX loop. I do this because the X3 effects are not high enough quality for what I do. I mainly use the X3 for the amp sims and routing options.
BUT from what I understand, the HD effects are higher quality than the X3 so maybe I don't need external effects?