I agree 110% with Erich and Bacon. Carry either 45 acp +P or 38 spl. +P for CCW. In my Smith's, I have an old Model 10 pencil barrel and an old Mod. 64 pencil barrel. I have a modern day 5 shot J frame smith and wesson and it is rated of +P. I carry the hoter +P for protection, for for target play, it is much cheaper to use target loads and as stated, easy on firearm and shooter. I have shot +P 38's since 1975 and no problem. I have seen two very damaged older S & W airweight frame Model 37's due to four or five rounds of +P ammo. Older alloy frame, such as with S & W, the "pin barrel" type, I would not ever shoot a +P.
During the 70's, it was my dept. issued load in 125 gr. Rem. HP (controlled expansion projectile for the progessive/liberal wing.) Our dept. used the round a few times on thugs and some got to meet their maker upon the reception of the Remington. We bought our revolvers then, they gave us the ammo. Frankly, I think those "old fashioned" +P 38 rounds did better than some of the 40 cal rounds most carry today.