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Oh, also one serious suggestion if you have cats: Your home defense weapon should NOT ever ever ever have a laser sight, for obvious reasons. You want the kitties to be safely off hidden under a bed, not thinking "yay, laser pointer, chase!" and running right into the line of fire when you point it at a bad guy!
Why not?
Aint you ever heard of a laser guided missle? ]
Hey...I like that idea, save the bullets for the range, just launch the cat at the BG...LOL
On the serious side, if money is tight and you need both a protection and practice gun, I would shy away from the .22. While a great training tool, and outstanding for first time shooters because of low cost ammo. It is not always the best choice.
While the picture I posted of my shiny guns was mostly for fun, they are practical for a first gun also. With the revolvers you can go with low powered .38's for practice and training. Then move up to more powerful ammo as you learn and improve without the expense or additional training required of getting a different firearm. I feel both the chromed Mod 36 or the stainless Mod 60 would make a good first gun for a young lady that needs a firearm for dual purpose duty. Then some may prefer the larger Mod 66 which is a polished stainless model. I like stainless for that role because of the easy of maintenance over steel.
I also feel that some people can be comfortable with Auto for the first gun. While the Kimber in the picture is a .45, autos can be had in smaller calibers and different models. I believe a .45 can be shot comfortably by most new or smaller shooter.
Like most have said, best bet is find people local that will help you experiment with different types of guns and calibers and go from there. I have never been anywhere that did not have a large number of good people willing and able to help a new shooter learn and improve.
Best of Luck...