Ed Ames
Here's the issue: the gun is just part of the cost. Big part, but only part. You need to set a budget that includes belt(s), holster(s), etc... and the bigger the gun the more you need to allot for that stuff. A p3at can do ok in a $15 holster with a standard belt, a gov't 1911 can do just as well in $80 holster and a good gunbelt (which will run $40 for synthetic to $100+ for something that looks like people clothes)...
I've never really faced your situation but if I found myself there I would start with a P3AT (equivalent) or similar for two reasons: 1) It will continue to be useful even after you have bigger guns. 2) It offers very good concealability with relatively inexpensive support gear.