I carry the XD-45c in a Desantis Speed Scabbard (OWB). I carried all day today with shorts and an untucked t-shirt; to the mother-in-law's, to the Wal-mart, a couple of gas stations, etc. The kids didn't even know I had it on until we got back home.
Using the outside type holster forces an untucked shirt, and I figure that sooner or later I will try an IWB holster like a CTAC or something.
The most important thing I have done is to get a 1 1/2" holster belt from
www.thebeltman.net. A good belt makes all of the difference in keeping the grip close to your body.
I realize it is not a small pistol, but I seriously doubt I am undergunned with 10 sots of .45.