I often pocket carry a Bersa Thunder .380 CC in a Galco Pocket Protector holster. This works well with cargo shorts, but does not work well with Jeans (the pockets are too tight).
I also carry an XD-40 Service both IWB and OWB with an unbuttoned hawaiian shirt over a tucked in, nice quality, solid color T-Shirt. It looks nice and can hide just about any gun you want to carry. Being Florida, nobody thinks a thing of it.
You can hide a small gun under an untucked T-Shirt with an IWB holster, but you've got to stick with subcompacts to avoid printing. I've tried it with my full-sized XD and its pretty obvious. I suspect an XD-40sc would conceal just fine that way, due to its shorter grip.
One other comment on carry. I find that large guns are more comfortable OWB than IWB, at least for me. My XD tends to dig into my side a bit when I sit and it gets annoying after awhile. Smaller guns with shorter grips don't do that, which is why the next gun I buy for myself will probably be an XD-40sc.