Currently, I have the XD9's in LH and RH Don Hume 721 ( I think) OWB holsters, a spare mag in a Blackhawk mag pouch behind the left one, and a snubby in the left pants pocket. Ride and hide fine, with a nylon 'instructor' belt, under a one-size-larger T- or polo-type shirt. Far as I know, nobody has caught on. On the rare occasion somebody hugs me, I just make sure they don't reach around my waist--although one affectionate little 4-year-old boy at church once ran up and grabbed me in a little-kid hug, and smacked his head on one of the guns. He just looked confused, rubbed his head, and ran off to hug somebody else.
One thing I need to figure out--in my state, if LEO wants to hold your gun during a contact, they have the authority to do so (in my day, it was the folding Buck knives in the belt pouch). So, if an officer tells me to hand over my gun while he writes me a ticket or whatever, do I ask him 'Which one?', or just hand him one, or tell him about all three? I dunno..... Acebow