When I ride (mountain bike) I carry my XDs in a custom leather pancake holdlster with my 1 1/2" extra thick Daltech gun belt. It carries high and tight and holds the gun well.
it's almost always concealed, the shirt will ride up a little and bunch up a bit but not that often. not a big deal to me.
I ride around the neighborhood with the wife and kid so it's not aggressive riding. I wear khaki shorts.
Holsters, sights, magazines, etc.