i carry an xdm 3.8 compact 45 acp, in a desantis pro stealth. i live in FL year 'round, and i wear shorts and sandals and walk on the beach w/ it. special attire is not needed. i can not say the same for carrying my full size 1911.
for comparison's sake i also own a sig p229, glock 23, cz rami, springfield gov't 1911, & hk usp 9mm. i carry the xdm daily. wife carries the hk. everything else collects dust quite frankly.