OK, I'll play.
CCW, so bias towards compact. California, so normal capacity mags are out of the question.
Ruger SP101 in .357. Around $400.
Springfield XD subcompact in.40. Good gun, magazines are not expensive, and it's handload friendly. It's like a Glock, except it's not. Or something. High $400s
Ruger P series .45, P90, P97 (prob. used) or P345. Stout, reliable 8 round full sized single stack .45. BOOM! Just the thing. Around $400.
Oh, yeah, the XD45 Compact is a 10 rounder, so you wouldn't have the gelded magazines to contend with.
Me, I think I'd go with 2 guns, and invest the rest in accessories, accouterments and ammo. Hard to have too many magazines. It can take a while to find the right holster.