I'm 6'0, 175lbs., a bit on the "lean and lanky" side. I carry an XD-40 SC in a Don Hume IWB at the 4 o'clock position - when I wear a long jacket. I'm never comfortable carrying IWB with just a t-shirt, since my clothes are more fitted and any time I bend over or reach up, it would be pretty obvious. "Pocket carry" to me means 2 different things. Jacket pocket or pants pocket. Yes, you can carry an XD sc in a jacket pocket (it would feel a little heavy to me). Pants pocket carry with a thick blocky auto just doesn't work very well for me. (33" waist and fitted jeans). I have a S&W J frame for pants pocket carry.
I bought the XD-40 SC for my first CCW. I had never carried before. If I had been carrying a full-size Glock or a 1911 and then switched to the XD, it would have seemed great. But right away, I noticed it's thickness and weight. The XD SC is, in and of itself, a GREAT gun. One of my most accurate and reliable pistols. If you can find a comfortable way to conceal it and have it with you all the time, I would say there is no better choice when you want compact, reliable, aesthetically appealing, sufficient caliber, accuracy, and smooth operation. Don't buy a Kel-Tec if it doesn't feel right. (Don't buy any gun that doesn't feel right, but it's been my experience that a person should stay away from Kel-Tecs anyway). You'll be very happy with the XD. I am, and if I wore a long jacket all day every day, the XD sc would be with me at all times.