All 'troughs' have associated risks. An ATM, unfortunately, is quite thoroughly conventional. No going back.
.38 special and/or a .380 (or even .32 acp, for that matter) 'feels' just fine for the single bachelor who can still sprint a little, move laterally, and react reasonably quick.
Add to that equation, a large vehicle that obscures vision, a location known to attract robbers, and a wife and children 'in your charge' who bring inherent vulnerabilities, whether by physical inability, oblivion, and/or disinclination: Suddenly the 'micro' wouldn't feel so adequate to me. (Though a single-action with a great trigger would mitigate some of the inadequate feeling.)
This is not to be overly-critical, because taking the step to be lawfully armed to defend one's self and loved ones, and, likely, in that instant, conveying a certain 'willingness' (or even a 'shakey randomness'), factored into their decision to break-off. (Folks just don't walk around like that if they're the type of people who go ATM's to withdraw their own money.)
Involve your children - 'Heads low and fixated on a 2 x 4 high-resolution screen' is not a safe way to stroll through life. Think of ways to use their abilities for the overall safety of the group. Eyes to watch, fingers to lock doors and push alarm buttons, mouths to alert. This is especially true from dusk through dawn.
One thing to add: A 'drive-through' 'anything' is not always safer than a 'walk-up' equivalent.