I understand your view, but using your car example, it would be the difference between a Yugo and a Rolls Royce.
Either would probably get you there, but the Rolls will do it reliably, everytime. The Yugo, not so much.
So, as you said, there is a balance between the Yugo (the 'barely adequate') and the Rolls ("Waaaay more than adequate!')
The gun you've selected is a great gun........FOR ITS TYPE.
Many would not choose to rely on a five shot .38 snubby for serious personal defense. Altho, many others would....
One time when I carried a Model 36 as my only gun, it turned out that I might need to use it for a developing altercation in the parking lot, where a gun was already drawn. (not on me, tho) Suddenly, I felt tremendously undergunned. My .45 was in the car and I was able to retrieve it. AS SOON as I had the .45 in hand, I was stunned at how much better I felt, should I need to use it. (as it turned out, no shots were fired and I left the scene without showing my gun to anyone)
But that feeling.......the one of "oh, crap! I only have a 5-shot .38 !!........is one I'll never forget.
So, saying money is important in your gun selection, I can understand that......but I often hear how this or that "costs too much" then they buy a super duper Rolls Royce quality stereo system, a Wii, Cuban cigars or whatever.
Personally, I find a 5-shot .38 to be bare minimum for a serious defense gun.
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