I struggled with the decision of waht pistol to purchase... finally came to the following conclusions... your values may differ from mine.
1) A CCW pistol must be with you at all times to be effective. Thus, size and weight is the most significant factor. Too heavy, too big, I will not carry all the time.
2) 9mm is the smallest caliber IMHO that has the slam needed.. and I hope to never need it.
3) Ammo must be sufficiently inexpensive to encourage practice, which promotes familarity, safety and accuracy... 9mm ammo is currently about $13 for a 50 count box. (but it is in extremely short supply and has been for several months because so many folks are increasingly taking responsibility for their own personal protection)
4) I did not want to have to make a complete wardrobe change, summer and winter, to achieve the concealment needs. Thus, front pocket carry in blue jeans with a ballistic fabric holster is a must for me.
5) A Kel-Tec PF9 is the smallest, lightest 9mm I could find. Around $300, disappears in the front pocket. I forget it is there. I easily qualified for CCL having shot it only 4 times before the class, thus accuracy is better than it needs to be. No FTF's or FTL's or FTE's so far using at least 4 different brands of ammo, two different shooters, numerous practice sessions. I find it simple and painless to shoot. Lifetime warranty on the pistol and the company has a superb record of completely taking care of any problem, should one arise.
Kel Tec
That's my story and I'm sticking to it!
Good luck and be safe!