I carry my XD9sc IWB on weekends quite a bit, and agree that it conceals quite well with a t-shirt untucked. That's what I have on now, as the ankle that sports my LCP on workdays, has a big ice bag on it right now. Not a great way to start the week....
lws380--If I can carry the xd9 double stack, I should be able to conceal the xd45, right? I really want a 45acp, and not sure I want to settle for the single stack.