William, Not a good CONCEAL carry option. Depends how deep you want to conceal. A lot of sub compacts and micros out there. If you want to carry a 4" barrel gun it can work with the right holster. I only carry my 4" guns OWB.

It's a bit chunky for it's size. I good quality holster can make a night and day difference. I've known people to carry a full size service pistol as a ccw.

Bulky but do-able.

William, it is about the same as a Glock 19. A good holster makes all the difference in carry comfort. I can't stress how good Alien Gear Holsters are : --- https://aliengearholsters.com/holsters/springfield-xd-4-inch-barrel.html