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Something I've found to be quite nice for carrying while dressed up is the 5.11 Holster Shirt. They come in both black and white, crew neck and v-neck, and I generally wear a white crew neck If I'm wearing a dress shirt with no jacket. They carry much like a vertical shoulder holster. They are similar to UnderArmor compression shirts, and are made to wear tight. They're also breathable, so good for use in the summer. There are holster compartments on both sides, so good for righty or lefty, and I generally use the weak side for extra mag carry.

I don't know the Xd 40 well enough to gauge for size, and the way you wear your shirts and your body type are a factor. I do know that some people on this board have expressed successful carry for XD .40 pistols with these in the past. The newer versions seem to have been revamped to accommodate larger pistols, so that's good for you. I've heard that Top Brass Military Supply in Houston carries them, so that's probably a good source if you're going to be in Clearlake. I have a 52" chest and bought a 2XL the first time, and ended up going with XL after that. Remember, they're supposed to fit like a compression shirt. I would go and try one on for fit and see how you like it. They run around $40 at retail stores.

http://www.511tactical.com/browse/Home/ ... 01/I/40011" onclick="window.open(this.href);return false;

I wrote a review of one here a while back, and I have been quite satisfied with them. One thing to note, FOLLOW THE WASHING INSTRUCTIONS. If you put it in the dryer on something other than low, it will ruin it. I learned this the hard way after drying it in my apartment's dryer that apparently had a bad temperature adjuster. I'd set it to low, but the dryer decided high was good anyway and the lining/padding was ruined.

Here's my review from last year:

http://texaschlforum.com/viewtopic.php? ... ster+shirt" onclick="window.open(this.href);return false;