It all depends on the time of year and how I am dressed. I am pretty comfortable with a 5 shot j frame but normally what I carry depends on how I am dressed.

Hot, humid North Carolina summer, J frame in the pocket more often than not. Fall/winter and I have something heavier on, its usually an auto of 9mm or larger with at least 9+ rounds.

I dont plan on getting in a running gun battle. My whole reason for carrying is to protect my wife, daughters and myself. I am pretty comfortable with 5 rounds out of a 38 spl.