In a real incident you might even have to rely on point shooting.
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The Taurus 85 ultralight is a nice gun for the money. .38 special snubbies slip right into the pocket and nobody has to know you are carrying. But they are strictly up close defense tools unless you are a tournament shooter.
I've got grand-dad's .38 snubby. It's a house pistol, or an open carry field pistol. I'm not large enough to carry it concealed in the summertime. Concealed is more difficult for some of us.
You are correct that most close encounters are dealt well with them. I've used it 5 times, and handed it once across the fence to the State Trooper former neighbor to send rattlesnakes to their great reward with snake shot.
/johnny
Chuckle. I got a S&W Airweight a couple of years ago. First time I took it to the range I was just glad to hit the target. Well, *lots* of $$ for ammo and careful practice and I can now usually do a hand size group at up to 18 feet. Which means in a real life situation I would be doing well to get a good chest hit at that distance. But I figure at 12 feet I am in fairly good shape. With good self defense ammo, the little bugger packs a pretty nice punch. It's very concealable and being a revolver with an 8.5 lb trigger pull, if you shoot someone, it's because you planned to.