I to know you asked about the xd40sc, but i carry the xd9sc for 2-8 hours in any given day. I use a high noon holsters' (Bare Assets) IWB holster. Its at 5 O'Clock on the hip. Shirt is untucked, But im sure you can choose to tuck in the shirt using the Split Decision holster and still have the same level of concealability. Split Decision holster is the same as the Bare Assets holster but with the tuckable flap. The holster holds very well. I walk, run, jump, climb, ect. with no worries of it dislodging.