DSWarmack:Galco makes an excellent concealed carry holster for the small of the back. I can wear shorts and a t shirt and you never know I have it with me, and I am not so much of a bigger guy. The XDm .45 is too big for me to carry concealed. I have to stick to compacts. Like I said though the Small-of-the back holster is probably one of my favorites, and I have tons! inside the pants has always been uncomfortable for me, so I tend to shy away from them. The only one I have I use for carrying where it is legal, but everyone thinks you shouldn't have one or that it is illegal. and it is a Galco Push up...I am not sure if they make this exact model for the XDm, but it works the best for drawing and re-holstering, after a few quick modifications. Picking a holster is much like picking a weapon. You must be comfortable with it. I have a guy in Atlanta that I buy from almost exclusively. He calls me four days after I buy any new piece of equipment and asks me if I still like it, or if I want to try something else. The customer service at his shop is out of this world. I always get the best price there too. I shopped around for six months for the first pistol I bought from him, after he told me what he'd sell it to me for. I couldn't beat his price, but I figured he'd go up on the price, it had been six months after all. Still got it for what everyone else was going to charge me, minus taxes, plus trijicon night sights (over $100 value). If you want the best price, he is well worth the drive south.
bigjohn125:I have had 5 different XD's and 1 XDm. I like the regular XD better, but both are good. I would strongly recommend shooting the XD 45 compact before you decide. It is not real small, but it will be way easier to conceal. It has a 4" barrel, but a shortened grip. It also comes with a short and a full sized magazine. With the full size, it has the same sized grip as the full size gun. Best of both worlds if you ask me. I used to carry one concealed and it was pretty concealable.
zoom6zoom:Keep in mind that if you purchase from an online shop, it will still have to ship to a local dealer. This dealer will charge you a "transfer fee" which can range anywhere from fifteen or twenty bucks (hard to find these days) to 30 or 50 bucks, even higher in some areas. You need to factor this into your price. There may also be shipping charges. Unless you're saving a significant amount ordering online, it's worth the few extra bucks to develop a relationship with your local pusher, err, dealer.
zoom6zoom:I personally find small of the back holsters (SOB's) a very bad choice. If seated in a vehicle it's almost inaccessible. If you are knocked down or fall on it, spine damage may occur. If someone grabs your arm when you reach around back, you have NO leverage to recover (try it!).