Does it have to be a semi auto? I am not usually one to suggest something different then what the op asks but it seems like a medium sized .357 revolver loaded with .38 is what you need. Something like a 3 inch Ruger Gp100 with a set of small grips. Double action might be heavy but she has the option of cocking the hammer and it sure is easier to load and chamber with racking a slide. Heck you could even keep an empty chamber under the hammer yet still have a round immediately ready to go. Have her try the guns. Don make choice for her.
"Is there anyway I can write my local gun store off on my taxes as dependents?"