I have a XD9 SC and I find the holster that comes with it is terrible. I'd like to start carrying but how on earth do you choose a holster? There are so many styles and brands and prices!

I want to conceal, it is a small gun so I don't think it will be too hard. I thought about a crossbreed supertuck, they get great reviews. However most of my pants are not that loose and I don't want to buy all new jeans.

I think that leaves me with owb. Do any of you that conceal carry owb? Is it possible to cover with a t shirt?

If anyone has some recomendations of what you like, maybe a photo, would be great.

The serpa seems like a good choice but I also like the look of the leather holsters. So many choices.. I tried searching on here but most of the threads with OWB say they use it for open carry, I can't rule that out but it isn't the plan for now.