I carry my XD40SC in a C-T.A.C holster from
Comp-Tac. If I had to choose again I might consider the MTAC from them because it has leather against the body and I might be able to skip the undershirt in the summer. Not sure though because I do like the C-T.A.C holster.
The C-T.A.C is a IWB holster with an adjustable cant. It is also tuckable but is stable enough that can be used either way. I find it to be very comfortable and use it for every day carry. I use the standard clips but nobody has ever asked about them. I tend to put my cellphone holster right up against the front clip so people won't be able to see that clip, but can see the back clip. I have it centered on my hip at 3 O'clock so the back clip is right behind my hip. They do have J-Clips, C-Clips and velcro clips that will keep people from seeing the clips. I also have the C-Clips, but find those are actually more noticable if your belt isn't thick enough. The clips themselves stick out and can get caught on stuff. I would like to try the velcro clips (anyone want to trade 2 C-Clips for 2 V?) to see how they work but I would probably buy a gun belt with the velcro sewed in if I did that.