In an urban area, or stuck on the road with lots of other people, I think that the ability to conceal a firearm is important. Sometimes it is good to blend in with the crowd. There is also some tactical surprise to producing a concealed firearm. As important as what firearm is what holster. My choice: HK USP Compact .40 in a well worn shoulder holster, with two extra magazines on the other side (for balance). Backup gun is a Walther PPK .380 with one extra magazine. My lady will have two S&W revolvers, one .357 mangnum and one 5-shot .38 special, both loaded with .38+P 125-grain SJHP, 2 speed loaders (for the six-shot .357) and 2 speed strips (for either gun).