This time of year, always a .45 ACP. If punching through layers of heavy clothing is gonna turn my JHP into FN ball, I want it to be a big, heavy FN ball.
In the Spring and Summer, I feel okay about my Star M43 in 9x19 with 124 gr. Gold Dots. It hides more discretely under light clothing than almost any of my .45s, even if it does weight about the same.