My opinion, I think your spot on. I've got a 442 and SP101 (2.25" barrel) and I carry the SP101 IWB often with no problem. I also often carry the 442 in my weak side pocket as a bug with two speed strips loaded with 38+P. That way, my extra ammo is compatible with either weapon. I had a buddy who does car interiors make me a pocket liner out of upholstery vinyl for my 442. It is thinner and still covers the trigger and hides printing.