Congrats on your choice to carry concealed.
An XD 9 is a good firearm and you should be able to carry it inside the pants or outside the pants.
A Versacarry is a good inexpensive holster to see if you like carrying outside the pants.
Muddy River Tactical makes good outside the pants and inside the pants holsters.
I'd also recommend Theis holsters in Conway, Arkansas. He makes hybrid holsters(leather back, kydex shell).
Whichever method you decide to carry, get a good leather gun belt(with the plastic in between the leather sides). Most firearm people I know have at least 2 good gun belts, some have 3 or more.