Planning for the "best of worst case scenario" never appealed to me.
Let me explain this mindset.
I want to carry a gun to defend myself. I will carry a J-frame and a speed strip, or a pocket .380 and a spare mag because in the unlikely event I need a gun, it will probably be a minimally bad situation in which merely having a gun will be sufficient.
The assailent will either flee from the sight of the gun, or if I need to fire, I will be facing an uncommitted opponent who is as conserned with being injured as I am, and I will be able to make sufficiently incapacitating hits on this assailent with a small, hard to shoot, low capacity handgun.
As for me...HELL NO.
Let me tell you about my client, "T".
T is a little hispanic guy. 5'2", 125 pounds.
He's been shot 4 times with service calibur handgun rounds to critical areas and he still isn't dead, and he is still able to get around. He's a tough little MF who's soaked up 2 car accidents (one were he was dragged) and has taken more punishment in his life than you or I have.
He's done time, and while he doesn't want to go back...lets just say it's not going to phase him like it would you...
He is, quite frankly, unremarkable when it comes to people you may encounter.
His level of commitment, conditioning, mental toughness, skill level, agression and lack of consern for the consequences is about average for the people you don't want to meet.
He is not an SF guy gone bad. He is just a guy from the projects who sell drugs and is trying to go straight.
But don't mess with him, because he will kill you if he needs to, needs or wants what you have, or if you disrespect him in front of people that matter to him like his kids or family.
He's the guy stocking shelves in the grocery store. The guy fixing your car. The guy doing construction on your building...whoever...
Your J-frame isn't going to impress him. Hell - shooting him may not impress him.
Oh, here's the best part...
Just cause he's a street thug, don't mean he's stupid. He know about ruses, distraction, ambush, target evaluation, target intradiction and things like that.
He can't put it into words...but he knows all about it.
He's not going to attack you when you have time to react.
He'll attack you when you are looking at his friends 30 feet away having a loud argument or loading your kid into the car...and the first thing you will know about the attack is a horrifyingly strong guy grabbing you, a knife in your side and the words "Be cool..." whispered in your ear.
He's not going to stand their. He's going to move, shoot and move again.
He's going to close with you, so you getting your hand on the gun is going to be a major acomplishment (did I mention he knows how to fight...oh...well. He does...) without getting KO'd or knocked down and stomped into stupidity.
Even if you draw the gun, good luck in a gun grapple with him.
That's my idea of how things are going to go and who you are going to meet.
But I'm sure I'm completely off.
Your J-frame should be fine...