In winter,spring and fall, I carry a S&W Model 29-3 6 inch with four speed loaders full of Speer Short barrel 200 grain JHP Magnum ammo. Very accurate and controlable. The BUG is a Springfeild TRP (no rail) with at lest two spare Wilson Combat 8 round mags loaded with Hornady TAP 230 grain JHP. Last ditch back-up is a Gerber Applegate-Fairbairn Covert folding knife.
Summertime gun is the same .45 TRP with two spares or on very hot days I'll go to a Springfield .45 Micro Compact 3 inch with two 7 shot wilson combat mags. Clothing permitting, I'll carry a S&W Model 60 in an ankle rig with two speed loaders as a bug to the little .45. The load for this gun is the old FBI 158 grain Plus P lead hollow point. The Gerber goes along too, of course.
Someone once asked me since I carried so much hard ware, if I was expecting trouble where ever I was going. My reply was simple. If I was expecting trouble, I wouldn't go.
Finally, I'm 6 feet even and weigh in at 150 out of the shower so if I can conceal these weapons, anyone can. You can hide a lot of useful tools if you work at it and choose holsters and clothing with care. The key is to avoid looking like you work for Blackwater.