I have an XD-40 SubCompact, just recieved my CHL, and am currently in the midst of researching a holster investment. I've found that I favor the SOB (small of back) design, but am not convinced on it as of yet. I can't seem to find any around town (houston), and the only SOB holsters that I've found online are from Galco and there $96. Any suggestions? Pros/Cons?