For max versatility, including CCW, HD, compet., and general defense in my actual urban environment, not a theoretical SHTF scenario, I'd have to go with a 4" .41 Mag revolver (such S&W mtn gun) or the Glock 20 in 10mm. These choices assume I will also have at least one rifle.
[This message has been edited by Futo Inu (edited June 23, 2000).]