So I'm in the market for a revolver that will be my primary (I only want to carry one) and only CCW. Obviously this means a few things:
1) I need to be very proficient with it. To include presentation from concealment and reloading, of course.
2) I need to actually carry it every day and hide it on my person. I hate IWB with a revolver, but OWB is not very hidden usually, especially in warm weather. I guess that leaves ankle or pocket carry.
3) I'd like it to have more than 5 shots but will concede this if it's not keeping in line with above (2).
I've heard the best carry revolvers were the 3" RB K-frames but they seem rather large for EDC in the real world. Probably not very comfortable either for all-day concealment.
So am I stuck with a J-frame? If so, which one? I like the heft of the all-steel vs alloy/poly types... and that should help with gaining proficiency, as it will be more shooter friendly. Of course, that means an extra 4-5 oz of weight to lug around.
What does the S&W lineup (to include obtainable discontinued models) have for me?
I've conceal carried handguns for 29 years and over the years I have carried full size .45 ACP 1911s, 9mm Browning Hi Powers, full size 9mm CZ 75's, compact .45 ACP 1911's, compact 9mm CZ-75s, various PP and PPK/S .380 ACP pistols, and then eventually .38 Special and .38 Special +P S&W Model 36's and finally an S&W Model 60 in .357 Magnum - in that evolutionary order.
Concealed carry is always a balancing act between comfort, controllability, terminal effectiveness and magazine capacity. Reliability is also a potential issue given hollow point bullets and the practical and operational realities of wearing a gun every waking hour.
I started out feeling the 1911 in .45 ACP was the only valid choice as it offered comparatively good stopping power and the ability to reload quickly. And I shot the 1911 very well as it fit my hand very well. It was however not comfortable to carry concealed and carrying it concealed effectively meant dressing around the pistol, which meant you looked like you were carrying concealed - which pretty much defeats the purpose.
I switched to 9mm eventually when 9mm hollow point performance improved to the point that the 9mm round was finally both reliable and effective for self defense - with the benefit of 13-15 round magazine capacity. The downside is that a Browning Hi Power or full size CZ 75 was just as hard to conceal and the spare magazine was larger and harder to conceal. Despite 13-15 rounds in the magazine, with a semi-auto pistol you still need to carry a spare mag as it's the fastest, best was to clear most of the jams that are still present after tap-rack-bang fails to clear it.
Once Kimber started making a compact 1911 that was actually reliable (and none of the compact 1911s that preceded it were) a compact 1911 made sense in terms of having good terminal effectiveness, controllability and accuracy a small 7 round magazine that was easy to carry, and a more concealable form factor. Unfortunately it still wasn't comfortable for all day carry (although their current carry melt option would help, it's just hideously expensive). And the reality is that as well as I shoot the .45 ACP after years of practical pistol competition, I shoot the 9mm Para better, getting 3 A zone hits in the same time it takes to get 2 A zone hits with a .45 ACP.
Thus the compact CZ 75, although it was still not comfortable enough to ensure I'd carry it all day long - and if your self defense weapon is 20 ft away when a threat bursts in your door, you're screwed.
That led to carrying PP and PPK/S pistols in .380 ACP - sacrificing some terminal performance as having a handgun on me all the time was a better option than having a better one on me only part of the time. I will say that I found the longer PP to be no less comfortable to carry than a Walther or Manuhrin PPK/S. (And the S&W PPK/S was never comfortable to carry IWB due to the longer tang digging into my side.)
Imagine my surprise one day when I discovered that a J-frame Model 36 revolver with all its edges and the relatively wide cylinder was far more comfortable to carry than a PP or PPK/S. It wasn't perfect as the terminal ballistics of a standard pressure .38 Special out of a 1 7/8" or 2 1/8" barrel are worse than a decent .380 ACP load (like the 90 gr XTP) out of a 3.5"-3.9" barrel pistol.
That led to a S&W Model 36-10, a 2 1/8" S&W Model 60 in .357 Magnum and finally a 3" S&W Model 60 in .357, which is in a word, "perfect" for concealed carry.
I've found the 3" Model 60 to be comfortable to carry (I don't even notice it, standing, walking, sitting, driving, all day long when carried in a well designed holster. It's easy to conceal and with a Hogue Monoblock grip it's comfortable to shoot with 125 gr bullets at 1300 fps, even in an extended range session. It's also accurate, capable of holding 3" groups at 25 yards and the adjustable sights ensure the rounds go to point of aim.
Now...it's true that it only carries 5 rounds, but any enforcement of laws I do now is done from behind a desk and my needs are purely personal protection, where nearly all engagements are over and done with in less than 5 seconds at ranges less than 5 yards and with less than 5 rounds expended. In fact, the FBI analyzed 12 years of shooting data and found that 90% of it's agents involved shootings involved 3 rounds or less fired at 3 yards or less.
And those 5 rounds are a very credible 125 gr hollow point load that exceeds 9mm para performance and is at least equal to .45 ACP terminal ballistics.
Plus Wild Bill's Concealment (the same people who make the holster pictured) makes a slip over the belt speed loader carrier that allows you to carry one or two speed loaders in a very low profile, yet comfortable manner, hooking either 2 or 3 rounds inside your belt.
I'll also put in a good word for the 3" Ruger SP101 in .357 Magnum as well. It's about 4 oz heavier than a 3" S&W Model 60, but the top strap is heavier and the forcing cone is at least twice as heavy as the forcing cone on the Model 60, giving it much greater durability with full power loads. It's not quite as accurate, and it lacks some of the smoothness of operation of Model 60 as you feel the parts moving a bit more during a DA trigger pull with an SP101 than you do with a Model 60, but it is a gun that will survive 100-150 round range sessions with full power .357 magnum loads. A Model 60 won't stand up to a lifelong diet of .357 Magnum loads, it is rather a revolver that is intended to be carried with .357 magnum but shot in practice with .38 Special.
-----
Consequently, I don't think you are 'stuck' with a J-frame as one of the steel J Magnum frame sized 3" revolvers in either .38 Special +P or .357 Magnum will offer you good to great terminal ballistics, great to good controllability, excellent accuracy, and a very comfortable form factor to carry in a well designed IWB holster.
That's a far better option that going with one of the less durable, harder to shoot and less effective lightweight .38's, and it avoids the tactical disadvantages of ankle or pocket carry.