Probably be helpful to know what part of the country you live in and what threat you need to defend against (makes a big diff ammo wise).
FWIW, here’s my personal experience.
I’m retired and live in Montana and am outdoors 360 plus days a year. We have bears (griz and black), wolves, moose, and other wildlife, in addition to the ubiquitous two legged vermin. Wolves and grizzlies are on the increase and every year someone is mauled by a griz. While attack from any of the above is highly unlikely, I feel much more comfortable with a large caliber revolver than a hi cap small caliber pistol. I have no delusions about being able to defend myself in all circumstances, just want to give myself a chance if the situation allows. You have to assess your own individual circumstances and go from there --- YMMV.
I’ve carried a .44 Mag as primary concealed carry gun for the last 10 years or so. Started out with a 4” 629 Mtn Gun, then went to a 4” 329 PD and most recently the New L Frame S&W M69 4 ¼”. I feel comfortable with any of the 3 but currently rotate the 329PD and the M69. If you haven’t shot one, don’t choose the 329PD as your first .44 Mag
The M69 is a bit more compact than the N Fames, feels better in my hands and I shoot it a bit better than the 329 or the Mtn Gun. The .44s are loaded with 260gr WFNGCs at a little over 1,200 fps from 4” guns. The M69 is a five shooter if that matters to you. My extra ammo is a second gun (Kahr CW45 w/255gr Buffalo Bore +Ps) in my left front pocket in a pocket holster.
I’ve used Milt Sparks IWB holsters - a Summer Special, and a Versa Max II. OWB rigs include a Bianchi Cyclone and an old Simply Rugged Sourdough pancake. The Summer Special conceals an N Frame S&W quite well. Unfortunately, the IWB rigs don’t work for me while sitting, so they remain in the “Holster Box”. The Simply Rugged is my go to holster – it sits over my right rear pocket and never comes off my pants belt - I just slip a .44 in it when I leave the house. If my pants are on, the Kahr is in my pocket.
I have a problem with the bone at the base of my thumb (recoil hammers it unmercifully) so my S&Ws all wear Hogue 500 X Frame grips. This is not a problem for me, but might cause some a problem with printing, access, or clothing interference (they are a bit tacky).
I’m 5’8”, 165 lbs, and I dress “comfortably” (the wife calls it sloppy) and have no problem covering up with a shirt tail. Carhart jeans w/slash pockets and an untucked shirt works for me. In Montana, a concealed gun that “shows” isn’t a legal problem and I doubt anyone would notice and if they did, would likely ignore it. There are some around here who open carry everywhere including Walmart – they never get a second look.
As mentioned above, full house .44 Mags can be a handful in a short gun -- .44 specials are easily managed. I’m lucky and get to shoot 3 or 4 times a week, year around, and practice double action with the .44 (265gr SWCs at 1,140 fps) most every time out, so I’m reasonably proficient for my intended use.
One last note, the five shot Charter Arms .44 speed loader made by HKS is too small to work reliably with the M69. So, M69 reloads will have to be done with a speed strip or individual rounds, at least for the immediate future.
Hope you find something that works for you. You’ll probably find that what works for some won’t necessarily work for you.
FWIW,
Paul