I agree Zonker, She is a good instructor on the shooting fundamentals, self defense tactics, not so much.
That's not the worst it can get. I carry the "pimp special" on occasion. The original Saturday Night Special, Ring of Fire .25 cal. At least the .22 has more penetration.
I'll carry my SR22 in the Crossbreed holster every once in a while for a change of pace. I only stack with Velocitor rounds and carry 2 extra mags with me. The SR22 is very accurate and just as deadly as anything else at close range. Ten shots within 2 1/2 seconds center mass and no recoil....you betch'a. Otherwise, the SR9c gets the call with HST 147 +P rounds.
Check out these two CCI videos on their Velocitor rounds (gel and wood test on part 2 video):
Since I carry no wallet or a lot of junks such as iPod, 2 smart phones, and tons of changes, I can afford to be armed adequately. We all make a choice and that is mine. I don't carry a pocket knife either since I don't bring knife to a gun fight. Fortunately, I never had to use my guns and probably will keep it that way till the end of time. Living out in the sticks has its advantage.