I must say that I agree with the OP here.
I can't imagine a scenario where if I was given a choice between a .40 or .45 and a .380, I would take the shot with a .380. And, let's admit it...you always have that choice...it's just a matter of how much you are willing to be inconvenienced for your safety. As for me, I carry a 4" M&P everywhere. I dress around my weapon of choice. I don't choose my weapon based on how I'm dressed.
That's what I do. What the knowledge is worth to you might be exactly what you paid for it.