Shame I will be visiting before the new law goes into effect. Should be interesting figuring out how to conceal a full size XD in 90 degree weather.
It is actually pretty easy as my EDC is an XDm 40, though it has the 3.8" barrel instead of the usual 4.5" barrel. Though I carry it at the 10-11 o'clock position (im a lefty) instead of the usual small of the back spot. For a shirt I use casual button up shirts that are untucked (though my tee shirts work just fine). For the holster I use a blackhawk nylon holster that works well for that type of carry (I wouldn't like to use it for back carry). I can use pants or shorts with little to no issues, but a belt is still nice to help prevent it from moving (more important depending on what you're doing).