Hey cml, as similar questions/posts like this come up, most folks also carry 1 if not 2 extra magazines for semi's, or some form of strip(s) for revolvers. I like Bianchi.
Caliber and capacity will ultimately be up to you, there is such a wide selection.
I tend to carry different things on different days, as I too live in the swamps of Fla. Your skills and abilities are also a major factor.
Some folks carry a snub, 5 or 6 shots, but they practice ALOT, and it works for them. Others want the added comfort of knowing they have 7,8,9-14+ rds. of "x" and it works for them also.
I don't feel undergunned when I carry my Taurus M85 loaded with 5 Rem GS +P .38's., or even my Kel-Tec P3AT .380 with Cor-Bon rds.
On other days, my FN9 or M+P .40 works, with Winchester SXT's.
Remember, 1 or 2 well placed "insert caliber", outweigh 10 or more rounds of misses, and those misses in an urban environment can include the potential of a bystander getting shot. You are responsible for every bullet.
Availability [You have to have it with you.]
Reliability [It has to 'go bang.']
Penetration [It has to reach important bits.]
Placement [You have to hit important bits.]
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