tblt, my two most-carried handguns are the SIG P229 and Ruger SP101. In police uniform, the P229 rides in the duty rig, and the SP101 is concealed. I also usually keep a spare P229 with me at work, but not on my person.
On my own time, I almost always carry an SP101 snubby, plus, much of the time, one more handgun. This second handgun can be another SP101, a P229, a Ruger Speed Six, or a GP100. The second handgun may be carried off-body.
Just about the only time I will be away from home, and carrying only one snubby, is when bicycling or running. The threat profile for a person "working out" is totally different than that for a person who is going about his daily business; cyclists and runners are not expected to be carrying valuables.
FWIW, the fact I have a police badge is a large part of the reason for the multiple weapons when on my own time. A private citizen has the option of breaking contact and fleeing. I swore an oath to do otherwise. Even if I do not want to engage bad guys in a shoot-out, I am still expected to at least be a "good witness" and remain on the scene to assist in preserving life and evidence, and that could be a bit hazardous itself, if the bad guys employ a sweep or clean-up guy, who takes no active part in the main part of an incident, and remains behind to make sure thee are no loose ends that need tying.