Depends if you have a concealed carry permit

If you wish to carry daily then a .357 3" is a good way to go...oh and on big bears I would rather have the penetration offered by a .357 than the hole size offered by the .45.
that said, I carry (concealed) a 5" .44 every day...becuase that is what I could get a permit for...and my 3" M60 .357 which is IMHO the perfect urban carry gun (and not a bad rural one) stays home as my wifes house gun becuase of permiting issues.
I must also relate a fun story- my best friend carries an early Colt peacemaker- usually with black powder loads (as a personal eccentric choice away from his issue sig or F.N. high power). 4 government goons armed with AK 47's tried to relive him of some diplomatic mail...colt 2 , AK's Nill and the surviving goons looking real stupid. It is not what you carry as much as how you carry and how you train. My mate can relibaly draw and hit a man at 15 yards in under .5 seconds with the old 1890's vintage colt. People don't expect that!