Steve, we all have our own opinion on what is this best defensive hand gun for personal protection, and so here is my two cents. In my opinion when in a situation that involves stress or a quick decision the simplest and least complicated solution can offer the best resolution. I bought my wife and sister a Smith & Wesson air weight 38, it’s a hammerless revolver. There is no thought of is the chamber loaded, is the safety off, you point and pull the trigger. With regular practice a semi- automatic can have advantages over a revolver, I think the advantages can disappear quickly. If you ever have to shoot more than twice the situation will probably turn out bad. Hornady makes home defense rounds that will completely open up upon impact and not exit a target, these rounds will also expel a significant amount of energy in drywall so as not to pose a deadly threat to others in a dwelling. This Smith & Wesson revolver can be purchased with a laser sight built into the grip by Crimson trace, seeing a red dot appear on one’s chest can often lead to the fight being over and decrease the odds of having to take someone’s life. The hammerless option adds to a level of safety, since a cocked gun must be de-cocked. I have many handguns for various purpose, my favorite is a 45-70 BFR a real thumper, for self defense I would recommend a hammerless revolver. Good luck with your decision.