Point is, carry whatever because the likelihood of you ever needing to defend your life in public with a firearm is ridiculously small.
I think this is the reality for the vast majority of us.
If I was a law enforcement professional, celebrity, millionaire or involved in risky business, then I'd want to be better armed. But I'm just a middle-aged guy who is inconspicuous, so my j-frame, PF-9 or P3AT will serve well enough in the extremely unlikely event that I ever need to draw one of them.