Get a CZ 75D PCR with a Kadet conversion kit. The 9mm barrel will do your HD & CCW duty, and the .22 LR barrel will cover range time. You can't do better then that for one firearm, IMO.
But, man, do I love a S&W Model 10 with a 4" heavy barrel!
"Snake Shot" and "Rat Shot" are shot shells, kinda like converting your revolver into a little shotgun. They're for use on little pests, and the size of the shot can differ from little pebble-like things to bird shot, but I've never been a fan. In a rifled barrel, shot doesn't form the right kind of pattern (more like an O than a @, much less a *), and the shot is usually so low powered it won't penetrate much. It can work on small pests from close range, but at the range it's effective, it's about like a bullet. However, it won't penetrate very far, so that's a slight advantage.
The BG will be carrying an auto. You can reload an auto faster than a revolver and with more rounds per load. You can carry an auto much easier concaled than an auto of comparable firepower.
Mighty big assumption to begin with then:
1) You assume the BG is carrying second mag
2) You assume the BG has practiced enough to be able to change a mag smoothly and rapidly (and you might be surprised how fast a revolver can be reloaded with a practice).
3) You assume a reload will be necessary
You can carry an auto much easier concaled than an auto of comparable firepower.
There also seems to be an assumption that your living room is going to turn into a Hollywood-style free-for-all. May I be the first to suggest an M-60?
BTW, according to the ATF the most common crime gun is a S&W .38 revolver.
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