After spending hours on the web and more at some gun shows, I spent $13.00 at the range and bought an Uncle Mike's IWB holster the other day. With an untucked shirt over the butt of my XD-9, centerline carry is pretty much undetectable. I'm tempted to grow a gut to complete the camouflage, but for very little jingle, I have a secure, discreet place from which to draw a relatively cumbersome (From a CC standpoint) weapon. There is a wee bit of ballular discomfort when driving, but shucking out 3X the shekels for a big-name leather setup with a fake cell phone attached doesn't make up for it. It'd probably hurt just the same.