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I've been using a heavy duty belt made for pistols, from Blackhawk with cargo shorts. That holds my Serpa retention holster with my XDM 45. That's a heavy gun and I need to keep the belt tight to keep the gun upright or else is flops to the side. On the weak side I have a single Galco leather double stack mag holder that clips to the belt - it's actually for a Glock 17 but the magazines for the XDM fit just fine. Twenty-seven bullets should be enough.

For a shirt I either wear a long t-shirt or a Hawaiian shirt. In the winter I wear the t-shirt on the inside and Hawaiian shirt over that with the bottom button buttoned. If it's really cold, a heavier jacket. So far so good.