You're kidding, right?
That "shot placement" better be to the brain with such peewee calibers.
The 9mm aint much, but if it's loaded right, it's miles ahead of those rds. I can maybe see carrying the tiniest 380 for a woman in a nice dress, or if you are lacking in the strength to control those adequately, a bigger 380. But really, why settle for a .25 or .32? Sheesh. Even the .22 mag is just 150 ft lbs, or less, from the 2" barrels. A good 9mm load is 350+ ft lbs (CorBon's 100 gr jhp) even it's from a 3" barrel. That extra "oomph" does increase your odds of an instant stop, you know. By quite a bit, in fact. When there's 5.5"x4", sub-16 oz 9mm's, how can you have a problem ccwing them? That's 3/4" shorter and 3-6 oz lighter than a steel .38 snub, which guys have been pocket carrying for 50+ years now.
There's a lot less difference between such a 9mm and a 357 (50-200 ft lbs difference depending upon the barrel length of the revolver and the load used) than there is between such a pocket 9mm and a .32.
In the little guns like the keltec, most 32 loads are 100 whole ft lbs at best. The Silvertip is 80 ft lbs.
Are you aware that heart hits don't mean much? 5 seconds or more to stop a guy with a heart hit, if we are talking physical incapacitation, not "just" psychological quitting. A man has 2 lungs, so hitting one of them leaves him quite capable of assault for 30 seconds or so. The liver or spleen or kidney wont bleed him out as fast as a heart hit.