Well just for going "casual" I'm now carrying a Ruger LCR in .38 in a pocket holster. Its small reasonably powerful and just disappears into my pocket. FWIW I live many miles from cities and just about ever resident up here in the boonies is legally armed. (NYS)

Going into the cities or other areas that has the potential for nasty things to occur I now am carrying my XDs.45 inside my waistband.

If situation go real bad.(say one of those horrific situations survivalists prepare for) the XDs and the LCR would be replace by my trusty combat modified 70 series Gold Cup. (good chance under those extreme circumstances a long gun would be close also)

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14 S&W Revs none with locks!