I have narrowed it down to two holster choices for my XDs. I have never carried before, waiting on my permit in the mail. Both of these around around $40 shipped. I have heard great things about the N82 holster (original) here on XDtalk SPRINGFIELD « I have also been looking at this one IWB Kydex/Leather Hybrid Holster Springfield Armory XDs | eBay Both would be about $40. If I like whichever one I get, I will probably order one for my XD9 service later on. Like I said I have never carried before, but it looks like the N82 tactical one might be more comfy because the pad covers the whole grip so the grip won't rub against my side.