The Kimber can't be beat for an out-of-the-box 1911.
I don't think a single action is the best choice for someone who is not familiar with guns, unless you are willing to get proper training-which you should do regardless of what kind of handgun you buy.
If you want a real gun
, get a Sig-Sauer P-220.
J/K, the Kimber is great, though the P-220 gets my vote for being the "best".
Glock, Sig, Beretta is how my list goes when someone asks about a carry gun. These are the only ones I would trust my life to (talking about out-of-the-box guns).
Shame you don't like polymer. The Glock 23 (compact .40) makes a great carry gun.
combo: Sig P220/BM AFCK or Glock 23 w/a Spyderco - they just seem to go together. If you get a 1911, then how about a MT LCC. You could have matching grips/scales made for your pistol/knife combo (how cool is that?).
Good luck, and whatever you get-practice,practice,practice.
Spend the money and buy a case of hardball and some spare mags, too.
If you have kids and want to keep a gun readily accessible, it is important that they be taught gun safety. Glocks and Sigs don't have manual safeties, and this may be a consideration, though there is no substitute for proper training.
Some of my friends use Heckler and Koch USPs for duty/off-duty use. They are available with various safety options, and are also worth a look.
If possible go to a range where you can rent guns, and try out the models that you are considering. A 9mm may be a good caliber for you if you are shy of recoil (some people think a .40 or .45 kicks too much-though I really don't see that much difference until you get into +P loads w/heavy bullets).
A good .22 pistol is a great training aid, too. If you are set on a 1911, check out the Ruger .22/45 which has the same grip angle as the 1911. Rugers are excellent "fun guns" and small game hunters. My favorite is the Target Competition model with the slab-sided barrels (like a PPC gun!).
Boycott Smith&Wesson! They've sold out the very people who made them successful, and don't deserve your business.
I've already edited this thing twice, and it'll probably end up being two pages long before it's all over with. Never ask me about guns!
[This message has been edited by Owen (edited 10-03-2000).]