I repeat this thought as well, but I'm not sure.What do you mean by "legal". I thought you still needed the license and you could be concealed, partially open, or the full monty. Did I miss something.
I definitely plan on getting some more details before doing anything. I am tall and most of my shirts don't come down long enough to keep the IWB concealed all the time, let alone one on the outside. I am looking to get an OWB for the xd and letting the longer shirts I have dangle over. If the bottom sticks out, so be it. I have thought about this issue several times though as to the legality, so hopefully someone more educated can enlighten us.