recreational shooting at the range and eventually conceal carry.
All great guns. IMO, the Walter is going to be the easiest to conceal, just because of it's width. That being said, I conceal my Glock 19 quite a bit, even in the summer (btw, I'm 5'11, 165, not a lot of fat to hide it under). I can't speak for the XDm though, never held one, but I've heard those handguns are good. For me, I choose the 9mm because it's cheaper to shoot, so I can more training in for my money.