I had the use of one and a supply of FN SS-192 ammo for several months. Reliability - 9, concealed carry - 5, stopping power - 5. I did witness one malfunction with the SS-192 ammo. It is big for CC but obviously doable. The actual duty ammunition is AP which claim to fame is the ability to penetrate body armor. This ammo is not generally available to the public and not desirable for general civilian concealed carry anyway. Perhaps CCW/SD ammo has been developed that has proven to be as effective as the better 9MM, .40 S&W, 45ACP,etc loadings but I am unaware of this at this point. In any case, unless I expected to be assaulted by body armor clad assailants, I would, and do, stick with the more pedestrian calibers....ymmv