Price is a consideration, too. The CZ 70 cost me $80 when I bought it, and ammo was cheap, too. It was more accurate than many of the 22lr mouse guns I tried, and I felt more confident with a .32 than a 22. The Fed Hydra Shok.32 ammo had a muzzle velocity of 950 FPS, and energy of 130 foot pounds. No elephant killer, for sure! The 22? Well, out of a RIFLE barrel, the Fed 36gr HP generates 155 FPS, and muzzle energy of 125 foot pounds. Hmm, out of a dinky snub barrel? Who knows, but certainly much less. Thanks, I\'ll go with what I can A) afford, and B) has more oomph.
Nowadays, I probably would have bought a Makarov, for even more oomph, with almost the same concealability, for near the same price.
Not everyone can afford $500 for a CCW piece. Best get the best you can get, and go from there. If that means a $90 CZ70, or a $140 Makarov, well, get it, practice, and be good with what you carry. Better a good shot with a cheap light caliber gun, than no shot with the .45 still on layaway....