BJC

Hello,
I am new to this forum and have been reviewing the previous threads on different holsters used for carry. I have found a few options that seem practical. I recently purchased an XD-40 sc for concealed carry and would like some input on which methods of carry would be more advantageous for my routine and style of dress.
I soon will be traveling a lot with my family (my wife and son who will be born sometime at the end of March). Because we will be spending so much time in the car, and subsequently rest stops / convenience stores / etc..., I would like a method of carry that will be comfortable and practical to use. In addition, there will be many times that carrying concealed will necessitate deep concealment.
My attire of dress will usually either be Dockers with a collared shirt tucked in or a suit with a tie. When I am not in a suit, and even when I am, most times I do not have the jacket on - but that can change. I hardly wear a jacket unless it is cold outside, and even then only if I am going to be outside for a while. In addition, most of my traveling during the warmer months will be in the south.
I have looked into the Smart carry, a pocket holster, and a IWB. Any advice on these holsters for my daily routine or other possible options I haven't yet considered would be greatly appreciated.

Thanks,
BJC