I understand the question perfectly, because I have been in that situation of just having one handgun in my possession. I sought out many options, and settled on a Ruger KLCR .357mag/.38spl.. Ruger revolvers are highly dependable, rugged, and competitively priced. The KLCR is great for concealment in any environment, lightweight and accurate even at longer ranges. The .357/.38 is a "one shot stopper" in .357mag., and the .38spl.& +P are also very acceptable carry calibers. Can be used for HD or PD to boot. Just IMHO,perfect!