I've carried a Taurus Model 85 (Stainless Steel) in an Uncle Mike's Inside-the-pocket holster (Size 3) in the front right pocket of my cargo shorts for years. The gun can be had with or without a shrouded hammer for about $300.00 new. I've had several and found them all to be accurate and durable as well as easy to carry.
As a former police officer and soldier, I have to take time to realize I am no longer likely to be running towards trouble and still be right. The gun is to get me and my family home safe, not to be a hero. Five rounds with a couple of speed loaders and a box of fifty rounds in the car should get me through the day.