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I carried an XD-40 for a while. It was a little bulky but manageable after I got used to it. You will have to go the "bigger clothes" route anyway you go. If you don't want to expand the waistline you will have to go OWB but will still require a bigger shirt. That is pretty much what I did. I bought a couple of pairs of pants that were bigger in the waist for IWB carry but pretty much just went with the bigger shirts and OWB carry. It is much more comfortable for me.

That's my .02 anyway.