Would you fill under guned if all you could carry as your CCW was a .32 S&W Long loaded with a lead 110 gr RNFP or a .32 ACP loaded with 98 gr RNFP? Either gun made of modern steel and the .32 ACP a locked breech design. Have you ever carried or used a .32? Arthritis in the hands will make you love the .32 even though you would rather have a 9mm through a .45!