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I carry under a large carhart jacket in the winter when doing chores at the ranch.

I had some hay delivered and helped the kid jockey chains. He was out of fuel so I got some jerry cans and dropped 10 gallons into his rig on the country road. I was bent over and saw him looking at my right hip where the XD45 in a OWB holster was sticking out in all its glory.

I pulled the pistol, told him I had a CHL, and then he asked to look at the XD. He expertly dropped the mag, did a press check, and handed it back to me. Only 19 but knew what he was doing.