If you are new to CHL, please read this post and save yourself the headache that I went thru, not to mention the money wasted.
I have had my CHL for about a year now and have carried maybe a total of 3 hours in that time. The problem has been all of the different holsters and carry positions that I have tried. I just could not find a comfortable combination. I have tried approximately 10 different holsters and at least 4 different placements; small of back, SS, WS, IWB, OWB, pocket, you name it, I've tried it. After all of this, I even tried a few different guns, all smaller caliber of course thinking that the weight of the gun was the problem.
Since I was having no luck finding a comfortable fit, I was buying all cheap holsters; $10 to $25 (mostly nylon or Kydex), not to mention I was not taking advantage of my CHL like I should have been.
On a whim, I decided to try a $60 Desantis holster. This was going to be my last hope. I was out of options. Well, that was the best $60 I have ever spent. This thing fits like a dream and easily conceals my XD-40. It does a very nice job of keeping the weapon close to my body and keeping the heavy grip from flopping around. In the past week I have carried more than I did during the previous year.
I guess you do get what you pay for. Lesson learned the hard way!