I currently own a Glock 19 and am getting ready to purchase a SA XD-9 subcompact. I am also getting ready to apply for my CCW (already taken class). My question is about holsters. I think I'll need to carry IWB in order to conceal most of the time, but an OWB holster might be more comfortable, especially in winter with heavy clothing. Ideally , I'd like to have one IWB holster that could accommodate both the Glock and the XD, but realize that in order for them to fit well, will probably have to buy two, which is fine. My other question is leather or polymer? Leather looks to be much more supple, but does polymer fit better or hold up better? Finally, can you recommend some good holsters that work for you in either leather or polymer, especially for IWB? Thanks.