The real problem with 25's isn't the caliber.
Most of them fall into 3 classes:
1. Striker-fired; Baby Browning, Bauer, Jennings, et al.
2. Tip-ups; Jetfire, Taurus PT-25
3. "Regular" autos; Colt Jr, FIE Titan, etc.
I don't feel safe carrying a striker-fired with a round in the chamber - you're depending on pretty small pieces of metal between the safety and the striker catch. I've read of a Baby Browning going off "by itself"... in the pocket of a coat hanging in the closet! Striker catch failed. Your alternative to this risk is carrying empty chamber, meaning you have to rack a tough-spring blowback slide *and* have the thing not misfeed the first round before you can fire.
The tip-ups are a good solution to the tough slide springs... until you have a dud. You can flip up the barrel and (hopefully) send the dud flying, but that isn't getting another good round in the chamber. I can't rack the slide on a Jetfire, too small and too much spring. They don't usually have an extractor so you have to hope the dud comes out. (And despite all the reliability talk, I've had a couple dud 25's... not as many as 22's, but a few.)
The "regular" automatics, if you can handle the slide springs, would be ok as long as they have inertial firing pins or a decent cocked-n-locked safety - which some don't! So check that out for safe carry.
Really, the only 25 I find safe and reasonable to carry is the CZ v45... a "regular" hammer-fired automatic with an inertial pin and an extractor and double-action to avoid having to thumb-cock on the draw.
With all this and the caliber, I think a J frame is a great idea.
