I have been reading these threads for days now. I am more confused now than ever. First I thought I had my mind made up on a CBST, then somebody mentioned Bluegrass. So now I am leaning to the ghost hybrid. I have never been one to carry iwb, I just throw my s&w 642 in front pocket and go. I got a xd-40 sc and love it and want to carry this. Any suggestions between the cbst and the bluegrass. I do know I need the horsehide since I live in Florida.