"Most shootings" - that the center of the argument. The J frame works well for the close up single mugger be gone scenario.
Move away from that towards a gang of folks (seen it) or some horror like Mumbai, VT, etc. then it isn't optimal.
The user decides where they want to make the cut in the risk profile.
I think that a semi in 9mm or greater and an extra mag or two probably is reasonably high in the risk distribution to cover most. Not to say that I won't just wander around with a J and speed loader if it is the dress convenient option.
A BUG with that moves me from the .05 level cut to the .01 level cut of risk - that's a stat joke.