JMOfartO:
Advising another person on which firearm to chose for cc and how to carry is difficult because those choices are always a subjective thing..
All I can tell you is what I carry, and how...
Ruger LCP in a rear pocket Lisa Hedley Holster...
Forget small of the back, or even worse, ankle carry.. Just get yourself a quality back pocket holster, stick the sucker in there and forget about it.
When the budget allows, get a Crimson Trace Laser for it, and IMO you will have a fine back up pistol which makes an excellent ALL TIME carry weapon.
Between my wife and myself we have three LCP's... All have been absolutely reliable and surprisingly accurate (at self defense range) right out of the box.
I like my LCP so much I had the Innovative Arms slide refinish/ external sight upgrade and I think that's money well spent also.
Unless you have tried a rear pocket holster in the past and didn't care for it, you really need to check one out.
Best wishes with whatever you decide.
Jesse