I have the same weapon. XD40SC. I use a MTAC at the 3 to 4:30 position depending on cover garments.
at 3:00 with a 12 round mag it does not print with most movements, but it takes some getting used to. at 4-4:30 the mag will print a bit with a minor bend at the waist. Changing to the 10 round this goes away quit a bit.
I use the 12 rounds only. And I keep it at the 3:00 position.
you DO need to go a pant size biger. I got my belt and MTAC from the same place. 1.5 inch black. never been made by anyone not living in my home. (With a short 3 month track record).
my usual garb is a t-shirt tucked in with a "print of some kind" button up shirt over the top of that, not buttoned. in some wind I button a single button near the waist and that keeps it from blowing open.
EDIT: I am 5,11" at around 180. your size will change how you hid it.