The term, "mindset" comes to mind. The OP appears to have the proper mindset. Granted there was that internet story a few years back where the wrapper of a bear country happy meal was found with a snub nose .38 Special with three or four round expended, and a couple days later a hunter bagged a grizz that had recently taken to sporting several 158 grain RNL body piercings, but I have no problem with someone not looking for trouble but taking precautions to carry a five shot.
I recall a fairly credible account from a friend of my father who explained how the mere, non threatening visible presence of a Beretta Bobcat in .22LR was sufficient to dissuade some problem children who after more than a light of their cigarettes.
Before discovering the Sig P365, I carried a Glock 43 with standard six-round magazines because factory magazines had demonstrated utter reliability, while aftermarket base extensions or complete magazines didn't. Because of where I was at and what I was doing for a living Icarried three or four extra magazines on my person when off the clock, however. I've carried, still sometimes carry a five shot, but always carry reloads. My 365 gets loaded with 12-round with grip adapter or the standard 10-rounders depending on where I am at and how I must carry. I took a class recently where the intent was to shoot targets, and I found the 17-round mag I had for my other Sig that I took to the class, a P365XL was preferable to the 12-rounders. I still had a bit of regret that I didn't take my full sized M&P 9, however. I do like the idea of the full sized M&P with un-neutered magazines being available for home defense situations when group activities such as home invasions tend to stay popular.
Having the mindset to survive, including the mindset to keep one's self in condition yellow; to take the opportunity to avoid bad situations; to try to be courteous and offer to de-escalate an potentially bad situation; to carry something or another that is less lethal, is important. Training with what you do carry is also critical. There are just as many folks running around with the latests and greatest handgun that has so many accessories that it borders on being classified as "crew served" who don't have any of the above skills or mindset as there are people running around with five shots with the same handicap.
So I would not go into bear country to hike carrying only a .22 revolver, a five shot, or my P365s, but I do not feel disadvantaged everywhere else I currently have business. I do draw the line at two shot derringers, but a derringer in your pocket that works is better than looking for a sharp stick in civilized surroundings.