While I don't live in a carry state I do occasionally holster a concealed handgun around the house and find a 3" K-frame or a nice thin full-sized 1911 conceal quite well with my usual clothing most of the year (I dress pretty conservatively most of the time, though I may need to wear a sport coat or blazer a little more often).
I've been doing a lot of thinking about carry lately since it looks increasingly likely that I may be moving next year to a carry state for graduate school and I think my first carry gun (and probable primary for good) will be a 3" K-frame .38 or .357 with some work done to it. I want a bobbed hammer, DAO job, Secret Service boot grips, trigger work, and matte finish (either blued or stainless would do). So far that seems to describe your 13 pretty well (I would add a few options I don't think it includes, including possible auto style sights with big white dots for speed or night sights).
In warm weather something like the snub that can fit in a pocket would be a nice second possibility for when the weather is too warm for a jacket (and I didn't feel like a suit, blazer or sport coat) and a good backup the rest of the time.
The 1911 would be my second choice for a primary (again w/ the snub as a back up and summer carry option).