Personally, I usually either carry a 1911, a Glock, or a S&W 36.
I carry either the 45 ACP Combat Commander I built or my 3 inch 44 Special revolver most of the time,but in real hot weather when I am wearing shorts and a light t-shirt I carry the Kel-Tec. As you pointed out,it has a clip built right on the side of the pistol that can be used to clip it to the inside of your waistband,and nobody will ever notice it under a t-shirt.
" I carry either the 45 ACP Combat Commander I built or "
Those are sweet. I have a Colt Officers model that was given to me as a retirement gift a number of years ago. Now that I am older, I need to dig it out of the safe and start carrying it, instead of one of my full size government models.
The Officers model is somewhat smaller, and lighter, although it is only 6 rounds. But it will accept 7 & 8 round mags. If 6 rounds is not enough, I always carry two spare Chip McCormick 8 rounders. If that still isn't enough, well, I guess I am really in trouble, LOL! Time to break out some heavy stuff, LOL!
If 6 rounds ain't enough you need some target practice.
My 44 Special only carries 5 rounds,and I don't even bother to carry reloads for it. I figure by the time I have shot 5 times there will be at least one loaded gun left laying around on the ground with nobody to use it,and any survivors still vertical will have heard their mama calling,and be high-stepping towards home.
Thugs ain't trained soldiers,and by the time you pop one or two of them in the head with a 200 grain hollowpoint any left standing will have lost all their enthusiasm when it comes to attacking you. They picture THEM shooting other people in their heads,and it never seems to occur to them that other people will sometimes shoot back and hit what they are shooting at. I suspect they are stars in some music or rap video in their minds,and everything is about posing and styling. Having your brains blown out the back of your head ain't very stylish.