I don't have a holster or belt yet. The new law doesn't go into effect until Jan 1st, 2011, but I'm thinking toward the future. I was looking at the Crossbreed Super Tuck IWB holsters. The reviews are all good, and the videos make it appear they conceal well and are reasonably comfortable. I'll probably go with a 1.5" leather gun belt to add support while looking decent with both jeans and khakis. I generally wear jeans or khakis (shorts of both types in the summer), with a Polo shirt and sometimes a T-shirt, usually tucked in. I also like the Crossbreed because one can still tuck in their shirt.
I know it's maybe a little dorky, but I've also considered carrying the XD in one of those pistol fanny packs as well. There are so many options to choose from, it's a little hard to know where to start, so I'm just exploring my options. I also wouldn't mind carrying a Walther PPK, but the Ruger LCP is half the price and smaller, which are both factors.
Mike