trajhip, cardioids aren't usually an ideal choice for X/Y recording and vice versa, for exactly the reason you noted. A cardioid pattern is like the sum of an omni plus a figure-8; thus when you put two cardioids in the same location, at least half their "stereo" output will be mono ("coincident omnis") from the get-go, regardless of what angle you set between the capsules--even back-to-back!
For commonly-used angles between the axes, such as 90 degrees (bah, ptui, grrr, arrgh) the directivity of the cardioid pattern is so relatively weak that for much of the overlap area, the two capsules have approximately equal sensitivity. That's what causes the crowding that you've observed of the apparent sound sources toward the center in playback--again, the two mikes are picking up pretty much the same stuff so it comes out in or near the center of the stereo image. That's a form of angular distortion, which coincident cardioids give you rather a lot of.
In addition, a coincident pair of cardioids picks up all diffuse sound and portrays it as coming from the center line between the two loudspeakers--an odd effect indeed. This is lessened if you use a pattern such as supercardioid, hypercardioid or figure-8 instead, since the rear lobes of those patterns pick up diffuse sound in inverse polarity. You also get less angular distortion in the image of the direct sound.
So I strongly recommend supercardioids for the majority of coincident setups, or ORTF if you want to use cardioids. With your MK 21 capsules (Schoeps wide cardioids) you could try 25 cm spacing and the familiar 110-degree included angle; this will also give you a slightly wider pickup area than ORTF does. Schoeps actually offers a stereo bar for exactly that configuration. It isn't listed in their catalog--not even in the new Catalog 6 that's coming out shortly--but it is available through their dealers and distributors on request.
--best regards