Ive gotten some advice already here. Let me explain I own a XD45 with a 4 inch barrel but I dont own the small clip or shorter handle version. Mine is full size. Ive tried OWB and Smart Carry holsters. Neither one is going to be easy at all for concealment. The gun is just to big. Im a lean guy 6.0ft 190 lbs but man I dont see how u guys are carrying these things. I havent tried a IWB but I dont think it would be much diff then OWB. Mayby shoulder holster is the answer. Im really regretting not getting the compact XD with the shorter handle. You lose 4 bullets but it may be enough to help. The smart carry even wearing very low makes it very hard to sit in a car seat and when standing I have the handle bulging out. I wear loose type or carpenter jeans so there not tight. Thanks 4 any advice. I havent received my conceal permit as my class is April 25 but I still wanted to see what would work.