Thanks for the helpful replies and advice, everyone - greatly appreciated!
PM coming your way, loose holster dan...
Alot of very good points brought up in these posts for me to keep in serious consideration. The wife and I have 4 kids from 7 to 15 years of age, which both raise the reasons for budget and more importantly safety. I am researching as much as I can and learning along the way. In fact, we both have decided to pospone our CCW class until the next month to allow more time for research and learning. It was mentioned that it might be a good idea to sell the wife's C9, and that too is an option we can consider. The gun has not been fired yet so perhaps the local outfitters where we bought it from could let her exchange it for a better firearm.
Again, I appreciate the help you all are giving me - thank you!!