As opinions vary, I disagree. More likely to encounter multiple average bad guys than 1 big, harder to stop bad guy. With mag changes, that's a lot more rounds.whatever you're comfortable carrying, but.... I'd rather have 9 rounds of 45 than 15 rounds of 9mm
I haven't tried to carry under clothes, but on a bicycle in a fanny pack on the side the extra weight and bulk aren't as bad.