Spent some time at the gun shop and finally determined what would be best for me...well that's not quite right ,what I determined to be best was $800.00 so I went down a hair with the .38 Smith&Wesson 642 revolver. Its lightweight and found the holster for my ankle,: a leather diehard ankle rig "Desantis" so far so good but havent worn it for a full work day yet..
at least I have solved the chicken or the egg problem, now I can play with various holsters that will work for me in different dress...
I am a happy happy girl