If EVERYONE is required to carry, then what’s the point of concealing it?
The OP says "You live in a state where you must carry concealed." In other words, you MUST carry, it's the law.
That's not the same as "If you carry, it must be concealed".
If I were to reach in to my gun safe, I’d pick my .38 3” LCRX and some wadcutters over a stout load of 231 because it’s light weight and accurate. It’s easier to conceal than a Ruger Blackhawk 5.5” custom in .44 magnum- but with the bigger gun I am safe from bears. City Bears, hopped up on goofballs and wacky tobackky! I feel a small revolver is more reliable than a very small semi auto because no one ever said “your fail to cycle problem is from improper grip on your revolver.”
If one of you is going to give me anything under a thousand dollars, gimme a CZ P10c as it’s said to be very accurate and have a decent trigger. It’s about Glock 19 sized so it has enough sight radius to actually function as a field gun, although the lcrx doesn’t litter brass.
If you are giving me my dream, it would be a Freedom Arms Model 97 Premier in .327 with a 32-20 optional cylinder, 5.5” barrel and if you run our of shots you can always show the bear the price tag and he’ll have a heart attack, but I have owned a FA and it was well worth the price- flawless.