I own a Snake Slayer IV and like the gun very much. They are very sturdy guns and a nice novelty to own, especially with the swappable barrels. The fit and finish is superb also.
Now the facts. While living in Florida you probably seldom have to worry about penetration through heavy clothes. I have never chronographed the buckshot coming out of one of these guns, it is likely that with as short of barrel as these guns have, the velocities are likely quite low. The pattern does seem pretty decent though. Federal handgun .410 leaves about a 10” pattern at ten feet. Also, if you are relying on a .45 Colt, be aware that the riffling is only about an inch and a half long. Seldom when I try to fire a .45 out of mine, is the bullet stabilized (In fact it says this in the manual). They are quite inaccurate, so I’d personally stick to buckshot.
Shooting this gun. I hate to say it, but shooting this gun is not a ton of fun. Recoil is down right painful, especially with 3” .410 shells. I go through a box of 20 and my hand stings quite a bit. Sustained range time with one of these just isn’t very realistic. I want you to understand also that I shoot full power S&W 460 mag rounds on a regular basis, and it doesn’t bother me a bit. The Bond Arms derringer hurts my hand worse do to the small wood grips. Certainly getting a .22 barrel (I plan to get one in .357) would make range time more fun, but if you are going to carry one in .410, you really should be practicing with full power loads frequently so you can make follow up (in this case 1) shots. So the .22 is debatable if it will really help you.
What I do. I do carry mine sometimes, especially in summer in my shorts pocket, but I am very aware of the limitations of this gun. I do think it would be effective at short range, but not really anything past 20 feet. Where do you plan to carry this gun? If in a populated area, you may want to re think it. Stray buckshot could lead to collateral damage, terrible feelings of guilt, and lawsuits.
I consider mine to be a novelty, and a back up or car gun. I do carry it as a primary, but only when I think my chances of running into trouble are absolutely next to none. If you are really serious about carrying, then I’d recommend a light weight .38 pocket sized revolver like a Ruger LCR or S&W J frame. It will be lighter, easier to shoot, more effective, have higher ammo capacity. Maybe even one in .357 if recoil really doesn’t bother you a bit would be good. Living in Florida, stainless steel would probably be a good choice for you as well, as I’m sure you’ve already decided. It will be cheaper to shoot as well. Don’t get me wrong, I love my Bond Arms Derringer, and for the right situation, it is a good gun. I think you would enjoy one as a fun gun, but I really do think there are better options for you for CCW. You may also want to consider a Ruger SP101. The extra weight is a lot more fun at the range. Better control!!!!!! Though, concealing and carrying one is a bit hard in light clothing. I carry a 3” bbl one in a IWB holster as my primary gun.
This is all just my opinion and it comes from the experience of owning one. I hope it helps, and I wish you luck in your decision. If you have any other questions about this gun for me, feel free to ask.