You can tie up a lot of money in holsters and ammo carriers if you have multiple carry guns and need to carry with several modes of dress. IMHO opinion, I would come up with smallest gun you feel okay with and build a holster collection around it. I sometimes carry a SIG or Magnum revolver but 90% of the time I have a model 649 on me (I am not telling you the 649 is world's best carry gun). I have tuckable and non-tuckable AIWB, OWB, pocket and field holsters for this gun. I can carry it just about anywhere except water skiing.
Maybe, just maybe, you can avoid having two drawers of holsters that you never use.