Neal, I am new to CC and still exploring which guns and which holsters/carry methods work best for me. I bought a belly band about 3 weeks ago and have tried it a couple times with my Springfield XD-9sc. It was, so far the most comfortable method I have tried. I would definately wear an undershirt with it though. I am not allowed to carry at work, so I carry in my car and purse most of the time, but when I go out on my days off, I am using my belly band. The one I got has pockets for a gun & mag on each side, so I can decide how much and where I want to carry. The only problem I've had so far, is the pocket that the gun is supposed to go in is open on the bottom, and I accidentally had my spare mag in that slot... When I walked into a store, the mag fell out on the floor! Oops:fie: