I'm comfortable with my accuracy with a .38 snub, and carry one regularly. However, the ammo capacity is a limitation, and whilst it's not likely to be a problem in some areas, it may well be in others, where gang activity may be expected. For this reason, my .38 is usually carried as a backup to something that hits harder and has more ammo. If I'm going to a friend's house, in a decent suburb, and not going into or through any high-crime area, I often just carry the snub, and feel comfortable enough doing it. However, if I'm downtown, or at the mall (which is a hangout for muggers in the parking lot in my town), I want a bit more firepower on hand, and would not feel comfortable relying only on the snub.