When I was riding more I used to carry my XD9 in a generic OWB nylon holster. It was cheap and did the trick. I carried mine at about 4 o'clock. I now have a nice IWB holster that I would carry at 3 o'clock when I start riding again. I like the idea of the tank bag. Maybe if you get a cheaper pancake holster you could mod it with magnets or something to be a tank holster. I know it sounds ghetto but it would be the most accessible I could think of and it would not dig into you IF you lay it down.
Just a thought.
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