A snub .38 IWB, and a speedloader in the jacket pocket, and a .22Mag mouserevolver in the front pants pocket is, I believe, enough to deal with 99% of what life throws at you.
See, turn it around: the snubbie has strengths as well as liabilities. If the situation starts out at VERY close range, such as an ambush by a knifer, there is no finer gun available than a DA snubbie .38 or .357. It won't jam if fired from a pocket, it's very difficult to grab away from you, and at "muzzle contact range" the fireball will do more damage in the target than the round will. And the limited ammo supply is a total non-issue because at that range, if you haven't solved the problem in TWO rounds, you're screwed regardless.
It also tends to be faster to get in play, also critical at that range.
That's why Jim Cirrillo kept a snub .38 as his first "go to" gun, in case the situation started at close range. His plan was to then use it to make space, then switch to bigger hardware with more firepower (and more accurate) as needed. Dude would pack three to four guns doing very high-risk police work. And he used this gameplan in several actual shootouts, starting with a snubbie, ending up with a full-size 1911
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For it's "close range effectiveness", you can make an excellent case that a snubbie can solve MORE problems that a civilian CCWer might run into, than something like a full-size Beretta with full-capacity mags. Sure, the big slidegun is great when four buttheads come running at you from 25 yards out, but when a single Goblin jumps in your face from a dark alley, gimme a snub any day of the week.
So what do I do if I DO get a multiple-assailant problem? Pump out those .38s, run like hell, use a couple shots of .22Mag to give 'em something to think about as I leave
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