Just a strange observation Scary, but why would you need to change to 9mm for your carry weapon. Perhaps practice using 9mm, but the one or two rounds one might potentially fire if the occasion ever arises using your carry weapon is not gonna affect the pocketbook too much. I cast nearly everything I shoot, and that in itself makes a huge difference, even the projos to reload saved brass is more costly now than the entire round just a year or so ago.
I hope I never need to use my carry weapon either, and perhaps I should only carry what I practice with, I practice with them all, but statistics show that usually, just the "getting it out" can often quell the situation without firing a shot. I certainly hope so, because it seems the "bad guys" are finding some really good attorneys to financially ruin the occasional good samaritan.