I carry my LCR in .38+p because it's too handy NOT to take with me when I leave the house.
I just gave it a 75 round work out this morning. Silver tips, wad cutters, +p jhp, at 7 yards the target was pretty much dead.
It packs well, I shoot it well, and it brings enough punch to what I feel is adequate protection.
If I feel that a step up to .45 is prudent, then I bring along the G36. Plenty of thump, easy to pack, and just an absolute workhorse.