Dont let these guys and gals fool ya, You need to spend lots o' $$. But, it will be on a good belt and holster. As for me, I carry my XD 5" in a Fobus rotoholster under the clothes I had before obtaining my permit. The only addition to my wardrobe was the belt, hoster and gun. I like the paddle holster a bit better because I can rearrange where it sits on my body without having to remove a belt. When driving, my xd sits on my hip, right by the seatbelt clasp. When walking, its at about 1 o'clock, or abdomen carrying. My t-shirts cover it nicely and the only reason Ive had to buy bigger shirts is due to the fact Im getting fatter.