Back to basics
I don’t edc, not allowed in my country, so I am not in,fluenced by personal preference. My thoughts are that before deciding what to carry you need to work out a few other things first.
Number 1, as quoted above, get yourself a good belt. I picked up a couple of DeSantis E25 belts from Midway, just a short drive from St Charles, for under $25 each when I passed through last year, and while I don’t carry a pistol I use them daily on both my uniform and casual dress trousers. Even if you choose not to belt carry the belt will be worth it as you will need to carry ammo etc and the belt/pockets are the logical place to carry.
Number 2, how will you carry. Belt? Pocket? IWB? OWB? Shoulder? I visited St Louis in the first week of November and it was cold, wet and windy, but at other times of the year I understand it gets hot and muggy. Pocket or IWB seem to me to be the places to start. That lead to:
Number 3, choose the size of the revolver that you know you can carry concealed according to your location. J frame? K Frame? Larger? Other manufacturers equivalent?
Then and only then, would I start to look at gun options.
And get a decent holster too. Even if you are pocket carrying (especially if pocket carrying and you have a handkerchief, keys etc in the same pocket.
As far as caliber goes, many years ago I read the following, the best .38 Special round will be equal to an average 9mm in stoping power. The best 9mm equal to a lower level .357 magnum.
Finally practice regularly (at least monthly) with some decent g enrich “budget” ammunition and fire off the 6 rounds you have carried since you’re last practice session. Reload with the rounds you have acarfied as spare and replace them out of the box.
Personally, given the OP I would be looking at that Ruger 9mm SP 101. Six rounds of top line defense 9mm with another six on my belt or in my pocket and I’d feel just as secure as when Ihave my G17 on the belt at work.