There is a reason why some people, cops, soldiers, protection folks - do not usually carry revolvers. We all know that handgun bullets suck, but high on the list of those that suck less are magnum rounds in .357+ size. So, if terminal efficacy were the only criteria in dealing with a “gunfight” then every cop would have an M29 on their hip, but they don’t.
People who seek out badguys foe a living overwhelming choose 9mm or .45 ACP semi-autos with as large a capacity as they can. And often those handguns are in support of a rifle or shotgun. Because multiple assailants is the norm for them. That’s their risk profile. And given that their choices make sense.
The question is - is the average accountant’s risk profile the same? The answer is no. But that doesn’t mean that their risk profile is significantly different either.
One way I evaluate my risk profile, is by studying the crime beat in the local bird cage liner and the notes released by the local PDs for my district. From those data, I’ve gleaned that armed (or implied weapon) robbery/mugging is most common in my area and it typically involves 2-3 perps (sometimes as many as five). So, I carry a multiple assailant gun (9mm STI) most of the time. My research also indicates that most of the time a weapon isn’t even shown to the victim, just implied and force is rarely used, except when there are greater than 3 perps. Then violence is almost always used. There are also specific MOs to each type of mugging/assault, which can allow you to better understand what type of attack you may be a victim of.
Anyways, all of this is getting a bit far afield of the thread topic. But it really does depend on you and where you are, when you do not go actively hunting badguys. Many folks are probably served just fine with a J-frane, but others are definitely “undergunned”. Given that you cannot predict your scenarios with 100% accuracy, the concept of preparing for the worst has merit. But that means you need to figure out what the “worst” is.