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Originally Posted by Racer-X
I would never pull a gun on someone who had one pointed at me.......
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I'll reiterate my original suggestion then. Why do you want to carry a gun then?
If you are not willing to utilize your weapon in the exact moment that you should, you don't need to carry one and need to find alternate means of protection. Carrying a handgun for protection is not for everybody and those that cannot utilize the tool effectively will only be a target themselves.
Action beats reaction every single time. Knowing what your actions can and should be in most given situations (ie-training) is the key to surviving an encounter.
Aside from that, I personally carry .40SW and nearly all of my personal defense handguns are of the same caliber.