I have had a Galco Matrix for my XDs, and i wear it every day. The Matrix for the XD will also fit the M&P as well. I like it alot, and have only had one problem ever. It was an older holster that I had for over a year, and i wore it to a friends wedding. It was outside, and we were sitting in those white plastic chairs with the arms on them. When the bride started coming down the aisle, we all stood up, and one of the snaps cought on the arm of the chair, came undone, flipped over, and dropped my XD40 out onto the chair with a CLUNK! Fortunately, everyone was looking the other way at the bride, and music was playing, so i scooped it up, and shoved it under my suit jacket into my armpit, and that is where it stayed for the rest of the service till i could get into the bathroom and fix things. Only other person to see it was my wife, who was not happy about it, but now thinks it is funny. So when your snaps start to wear out, Replace the holster, they are cheap enough to do so once a year or so.
I have a matrix I have carried my Hi-Power in many times. I also use it as my range holster for that gun and it works really well. I will most likely get one for winter carry for my M&P as well. It works really well for me.
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