AZ Flyer,
As someone already mentioned before a snub 38 is about as good as it gets for everyday conceal carry. With the right pocket holster it disappears in jeans or shorts. You will have five reliable shots to get yourself to safety. That being said the Walther PPS is a very nice gun that is thinner than the Glocks and XDs you mentioned. I carry a Glock 27 and it hides very well inside the waist but I am 6'5" and 225. It is a chunky gun no doubt. The Pf-9 are good guns as well. In my opinion they get a bad rap on the internet for reliability. I know two guys personally that swear by them. They hide very well and are priced about half as much as the PPS pistols. The Pf-9 does feel a bit snappy in the recoil, mainly due to being so light. Take your time and make an informed decision.