Welcome to this forum, BJC!
Definitely try SmartCarry--Charlie offers a 60 day trial, so if you find you don't like it you simply get a refund. The nice thing about this method is that it works for me with any attire, especially pleated Dockers.
For times when you wear a jacket, a good IWB holster is the ticket in my opinion. I'm partial to Milt Sparks.
With the snubby I got for Christmas, I've found pocket carry to be handy on occasion. Faster and easier to gun-up than putting on a holster or SmartCarry. I like Mika's Pocket Holster.
By the way, BJC, I've shot my buddy's XD sc and you've got a great little carry pistol there....
Good luck!