Ruger LCP
The Ruger LCP is an amazing summer light clothing gun. But since it is only a .380 and when winter comes along and you have to consider BG's wearing heavy leather coats etc. Then you probably want to have a winter carry gun also.
I have a Taurus Millennium Pro PT.145 (I don't recommend one of those because I can only carry about 6 rounds in the 10 round magazine because of an issue with the Magazine, and Taurus sent me 2 replacement magazines that do the exact same thing)
I want to get a Ruger LC9 but would love to see Ruger come out with an LC40 or 45, which should get through winter attire.
I have a Ruger Mark III .22 for target and as you can see given a choice after a couple of really big disappointments I am going to stick with Ruger. If I had an endless pocket I might look at SIG or Karr, but Ruger is priced right and is always, I repeat always, a good accurate, reliable, tough gun, that doesn't try to break your finger to pull the trigger.
No I don't sell Ruger LOL, just experience.
Now I love Remington's 1100 semi auto 12ga shotgun, but I don't think I could conceal that very well. LOL I have tried to beat that thing up in the woods and it just keeps on shooting weather I drop it, fall on it in the mud or bang it against a tree as pull it up on a string.
Remember to take the advice above and test shoot, you can go to most ranges and rent guns, You can shoot used guns also at a range, if you are looking to buy, you will probably pay more at a Range than a gun show, but its better to get a gun you are happy with than one you got a deal on.