A very subjective and individual choice to make. Opinion meets fact and reality. I won't bore you with MY reality, it likely won't mesh with yours. My opinion is worthless as I'm sure you have your own as well. My training also doesn't matter to you as you have (you guessed it) your own. What's perfect for me is useless for many. No two are cut from the same cloth.
While I value the opinions of top experts and trainers their opinions vary greatly . some agree on certain things but are opposites on other things. Every bit of information I gather I take with a grain of salt. The only info that I put greater credibility to comes from folks who lived it for real. A guy who shoots 100,000 rds a year running drills several days per week knows exactly nothing about being attacked. all he knows is putting a lot of holes in a tight group on a piece of paper when he hears the beep, a guy like that's opinion to me is a grain of salt. A guy who has defended his life against the odds with or without a firearm carries much more weight in my mind.
I don't simply just believe, I verify. Much of what is "common knowledge" is nonsense . you may take that information and verify on your own and find that it is valid. No two will ever experience this life the same way. I know because I've done it. A trainer will guide you with their experience and corrupt you with their opinion . tactics change every few years but I can tell you that a man from the 19th century could kill you just as dead with antiquated tactics, arms and ammunition as a man in 2020 with the best training , slickest gun and super new ammo tech. Every individual must select their gear based on something and while one gun may be best of the best, some other guy just defended his family with the hi-point he scraped together every cent for a year or more to buy.
----now that my rant is done, sorry...
I only carry three guns. The brand is irrelevant . a small, a medium (but chunky) , and a large. All are from the same maker. All have an identical manual of arms. If I hadn't settled on this specific platform it would have been another (obviously). It isn't that I think that there is nothing better, I own better. It boils down to what can I make fast and accurate hits with. What is available in multiple sizes while maintaining an identical manual of arms. What I can reasonably afford to lose to an evidence locker should I need to use it. What I can trust with 99% certainty and I don't worry about getting scratched, scuffed and sweat upon. If mas ayoob came down from on high and told me my choices suck, it would mean very little to me (I don't think that would happen). There is only one you and when the chips are down YOU will be the only one there to protect your own skin. A carry gun should be one thing if nothing else - piece of mind. Comforting but not necessarily always comfortable. Sometimes the gun you want to carry isn't as fast or doesn't have the capacity someone told you is required. Nonsense, train for it. Learn to utilize the gun you feel is best regardless of what it is. There are guys out there that could kill you with a spoon, they aren't born that way. So for someone to disparage another cause the caliber is a little too small or a little too big or a little too anything is just them showing ignorance.
Be safe out there friends and do what you feel is right. Trust but verify, the misinformation out there is mountainous.