Practical for whom?
The general rule of thumb is that one should have their primary CCW in the largest caliber that they can shoot effectively. Now, since different people have different builds, different sensitivities to felt recoil, medical challenges such as arthritis, etc, etc. , no one can give you a definitive answer since it varies from person to person. I carry a Glock 20 in 10mm, , now my mother is 70 years old with arthritis and diabetes, she is small and fragile, I am big, tall, and husky, so for her its a Smith J Frame in .38 spcl, which is the upper end of what she can handle recoil wise, she also has a Beretta Tomcat in .32ACP. Some folks can't handle anything larger than a .32HR or even .22LR, Again, the rule is that whatever the upper end of your felt recoil spectrum is, go with that, of course that changes overtime as people gain muscle memory and confidence with firearms. Good gunshop owners ask novice shooters probing questions, others don't. Hope I've shed some light on this great topic. and always remember, barrel length, specific load, bullet type/shape is almost as critical as caliber.