Steve, if your giong IWB, did you remember to go up a size in jeans to accomodate the holster and weapon? For me, I would rather look a bit "grunge" with my shirt untucked. My FOBUS holds my 5" XD at 3 o'clock mostly comfortably. Granted the reciever digs a bit when sitting, but I can make small adjustments to the rig to get it to quit digging into my side. Good luck finding a setup that works for you if you decide to go back to carrying something bigger.