the idea of my weapon not readily accessible and stuffed into a zip lock back is frightening to me. i know that there are options available in regards to water proof carrying, or at least water resistant. i know that military pilots have certain options that allow for water resistance due to the off chance that they may eject into water. but the lubing and kydex is a good idea, personally i would rather have the weapon accessible then not. also, in such cases, look at what you carry, and possibly consider carrying something different, such as a polymer framed weapon. less metal. take a look at the torture tests on the weapons, by far i find that XD exceeds them all, i wouldnt question the ability of the weapon to be fired coming directly out of the water.