I understand that there are a lot of people who are new to firearms, and in general, not gun people and dont really have an interest in them other than they were told they need one and thinking that because they have one they think they are armed. Realistically, anything they choose is really just a talisman.
As far as the last part, if you have any kind of real training, or even if you just try and figure things out for yourself, and work at things beyond basic bullseye, I just find it hard to believe that you would choose something like a 5 shot J frame for a "primary" gun. Back up, sure, if youre sentimental, but not as a primary, especially in this day and age with all the choices available to us, and with what you see going on, on a basically daily basis on the news and other places. You dont get to choose, the opposition does, and you get to deal with whatever you might get. Whether or not youre at least somewhat prepared, is entirely up to you.
And for the umpteenth time, you have absolutely no idea as to what you might get, anywhere you are, at any moment, so if youre the least bit serious, I would think you would work hard in practice beforehand, to try and be ahead of the curve and work on all sorts of things that will help you improve your overall skills, so you can deal with things if and when they should arise, without thought, instead of being caught flat footed and go into vapor lock.