For a split between those three carry scenarios, I also vote for a heavier .357 load; Oro's speer 158 gr. GDHP (or buffalo bore's tactical lite version of same) or the old 145 silvertip.
FWIW, I did a .38 thread about 147 +P+ vs. the old "FBI" load, and the HydraShok got panned a bit. At any rate, when in truck or woods, may as well use at least *some* of that extra power on tap in a .357, hence the above. GDHP or silvertip will also be somewhat less demonic on the shooter's end for indoor issues (so I have been led to believe).