I don't know if there's one right answer, but I can tell you for sure what the wrong one is. For me to give you a specific model and say, "Go buy it right now," would be the wrong one. Not to say that suggestions are bad, however. FTF is perfectly right about the 642 Smith. My brother loves his, and we'll put a bunch of rounds through it when I go to Memphis for the holidays this year.
I can tell you what worked for me. Go to a friend in the business of gun sales. If you don't have one, make one. I find the guys at Sportsman's Warehouse will spend a GREAT deal of time with you, even if you tell them you are "just looking" without the intent to make an immediate purchase. The guys there are mostly retired LEO's, and they love guns, so they are in the know. When I took my wife over there, I told the gentleman behind the counter that we were looking for a CCW for her. He handed me a nice shiny new Mil-Spec and told me to play with that for awhile while he talked (exclusively) with my wife. He was amazing. He showed her several different potential CCW's (and suggestions for the method of carry for each), ranging from guns as small as a Kahr P-9 all the way to a Hi-Power (which she LOVED, so there should be no question why I married her
, all the while keeping me entertained with the latest and greatest in the pistol world.
I think you oughta let her try everything she can wrap her hands around. Like HSO said, if it fits it hits. Help her make an INFORMED decision, but let her decide. She'll appreciate the gun alot more, and she'll appreciate you alot more, too.
Wow. Gun advice and relationship counselling all in the same place. The internet is grand