Interesting thread. I have been "researching" this problem for nearly a year[my wife thinks I'm crazy]. The problem I set out to research was for people that live in the "Badlands" of our country[usually big cities] who worry about home invasions.I'm nearly 70 years old and I am a great fan of the Colt[oh,dear, did I say that?]Commander[Lwt],CCO, Officers Mod. ,or Defender.But if a.38 is the desired gun I nominate any S&W with a shrouded or internal hammer or a Colt Dick Spl. If you live where you feel you need to be armed all day,every day, in your home, I have found the Colt Agent[the revolver,NOT the New Agent] or Cobra to be ideal in a Galco Miami Classic shoulder holster. Remember,we "oldsters" visit the toilet more than our younger friends and dressing down and back up gets old.Another option I really like is the S&W Mod. 60-15. [3" .357 Mag.] I don't like the "lock" but I've had no problems so far. You won't want to shoot this cannon with maggies but it gives you the option of everything from.38 target wad cutters up to +P+ and Mags., if you can stand it.I'm glad I don't live where I have to be armed every minute of every day but, the formula seems to be the heaviest caliber in the lightest gun, with the most convenient and comfortable carry system that will fit your life style. I do hope this is helpful, if not insightful.Regards, Nick