I have a xd9sc in 9mm very good gun. I also have a single stack 9mm for summer/deep concealment. Like the others said 9mm is cheaper to shoot then the .40 if you plan to shoot a lot. Try going to riverside range in the falls they rent guns I think try the ones out you are thinking about buying and get a better feel for them. If you want I could meet you guys down there and you could try the few 9mm I have. The other part of your question, I carry almost every time I leave my house. I cant carry at work but it stays locked up while i'm there, then goes back on when I get out.