want = need
-Kel-Tec P3AT or LCP 380 for pocket (no lock J-frame if willing to tolerate more bulk)
-Subcompact Glock 26/27/33 for appendix IWB, or Smartcarry
Those are essential mimimums ^
-Glock 29SF 10mm for trail, CC (appendix IWB) or HD
-Glock 19/23/32 for strong side IWB or HD
-No MIM 1911 (Dan Wesson, Les Baer, Ed Brown) for skinny strong side IWB or HD
Some places are typically safer than others, but criminals are mobile and may show up in a typically safe place without notice.
Strive to always carry the gun you would carry on the "bad" side of town.