I have a XD 45 Tactical as well... no problems concealing it.
I'm not a big guy... 5'10 and 170lbs
In the summer and often year round I wear a DeSantis IWB at my six. I can just about wear anything over it to conceal and it works great.
I have CC'd with my SERPA but I don't recommend it... sticks out a bit much as you can imagine.
I keep it in a Galco 3-Slot COP holster at 5-o'clock when I have a jacket or good cover shirt to work with.
Always hangs on my 1.5" Galco reinforced gun belt. A good belt is your best friend when carrying, but in particular when CCing. More stable, more supportive.
Plus you get the added bonus squeak of stiff leather on leather... I call it "cop walk"