I would go with a Colt Detective Special with shroud in a pocket holster. One extra shot compared with the Smith J-frame, able to fire from inside the pocket if necessary, and easier to shoot well than a J frame if I have to hit something at a little longer range. I remember shooting a concealed carry revolver match more than a decade ago with my Colt, while most of the rest were using 2 1/2" or 3" Smith K-frames. This was shooting out to 25 yards IIRC. I didn't win, but I finished in the middle of the pack, which made me feel pretty good, considering. Would probably load it with Doc Robert's recommended load of Speer Gold Dot 135 gr +P designed for snubbies.