I always wear a belt and have always bought my jeans/shorts bigger. I'm about 32 and wear 34. I have a variation of the crossbreed supertuck for my xd9sc and it's REALLY comfortable for me. When sitting in the car it doesn't bother me either, unless I have the extended mag in, then I have to put her in the glovebox, it just sticks out too much for a seated position.
GasKing has a Grand National. Ask him and he'll post a picture of it!