I'd agree with having one in the chamber. I'm looking for an easy to conceal 9mm single stack, for reasons related to my work environment. I'd also suggest that she look at the new Taurus 709. It has a trigger safety and a slide safety. I'd be very comfortable with the two safety mechanisms in place with this gun and it's one of the reasons I'm very interested in it. It's a very serious contender in my quest. I tested the trigger and like it a lot for a cc weapon. I'm hoping to find a place that will rent me one. There have been three very favorable reviews on this new gun you should search out and read. The recoil insn't too sharp from what I've read.
My two bits.