I believe in a one shot class weapon only and used with proficiency and accuracy. 9mm and 38 are not good choices IMHO for self defence. Hydrostatic shock is what stops an assailant, not necessarily the number of holes.
When I travel solo with Stephanie, her safety is my #1 priority, even more than my own life, so 3,4,5 assailants are not a barrier to her protection. With years of military firearms training (AF Small Arms Expert, AF Marksman), time with Gunsite trainers etc., and thousands of rounds through my HK45 (one of the most accurate tactical pistols available) I am prepared to use it, both mentally and physically.
But, as I said earlier, I prefer not to carry it, as it changes the experience for me. I take firearm responsibility so seriously (especially when carrying concealed) that it puts me in a reserved, defensive posture. Not my style.
I also would not likely carry a weapon in an area with animals (maybe if I had little children). Again, it changes the experience for me.