Any gun on you, is better than not having one.

I kept a simple model 64 as a desk gun for years and never felt undergunned with it, and the LEO Silvertips I kept loaded in it. Things change. With the world the way it is now, I'd want the highest capacity firearms available to me.

I honestly don't think I would go out the door anymore with a revolver less than .357 magnum if limited to just a revolver. My pocket gun is a 15+1 round 9mm with 147 grain +P HSTs in it, and even then I always carry a full capacity spare mag.

I'd try to save a bit back as you can, and start looking into some sort of LEO trade in gun. Those are usually cheap and fully useable. Like a Glock 17/22, or an M&P.