I would also say a Glock. I think the Glock 19 is the best all-around handgun on the market. It's big enough that it shoots like a full-sized gun but small enough to conceal in a IWB holster under a T-shirt (for most people). It holds 15 rounds of 9mm, a caliber many people find they are most effective with. It has a better trigger than most other striker-fired guns. It's very simple to field-strip and requires minimal cleaning and maintenance. It's extremely durable and reliable with all kinds of ammo. And because it's so popular, holsters and other parts and accessories are easy to find.
0331: "Accuracy by volume."