Can't help you with the XD, but I carry a fullsize Glock 21sf .45acp and LOVE IT! I carry OWB in regular safariland holster. I don't see the issue with concealment, as long as no one sees the gun visible and the shirt isn't extremely tight it will only printly slightly. I have been carrying this way for almost 10 years and never had any problems, comments, hassles, ect.