A k frame Smith & Wesson such as the Model 10 or 64 would be a good "all around" gun. I have both in 4'' barrels and they can be concealed without much trouble if you dress around it, good nightstand guns, and utterly fantastic at the range.
Buffalo Bore makes some good defense ammo which I've had my eyes on. Their Outdoorsman load certainly takes the 38 special to a new level.
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