I have owned this 3913NL for years, and consider it the finest commercial 9mm gun designed for discreet carry that has ever been available. The only change I made to mine was to install tritium sights. It's totally reliable, easy to conceal, and feels good in the hand. I use only factory hollow points - currently Cor-Bon. Interestingly, the 3913's mag capacity is exactly the same as the 39's.
My only complaint with it is that it has a spurless hammer - very tricky to hand cock, and not recommended. In fairness, a spur hammer can be retrofitted.
S&W had a real winner here, but they decided to go plastic and striker-fired, neither of which I admire all that much.
John
