Hmmm, sorry but to cover EVERYTHING, you are going to need four.
1. S&W .22 LR revolver, 4 to 5 inch, for plinking, practice, fun, small game, and training others.
2. A lighweight .357 revolver, or 9mm/.40 semi auto, as a carry gun and bedstand gun. Depends on which one works best for you. Certainly can't go wrong with a S&W J Frame .357 with a 4 inch barrel stoked with high quality .38 P+ self defense ammo, or a good 9mm semi-auto, with high quality self defense ammo, especially if your wife will be using it as well.
3. A .45 semi auto, any good brand, with 10 round capacity, for a natural or man-made disaster. Regular ball ammo is all that you need.
4. A .44 magnum Blackhawk revolver, in suitable barrel length, for big game hunting.
If you don't hunt big game, then drop no. 4. If you have enough training and skill to carry a .45 semi-auto as your lawful carry weapon, then you can drop no. 2.
So, if you are an average shooter, living in the suburbs, who occasionally hunts, you need four guns.
If you are an urbanite who shoots regularly with his .45 auto, and doesn't hunt, you only need two guns. (Course, this is a rare bird.)
I understand that in the State of New York, you can only own three handguns? In that case, I would think that you would ordinarily need no. 1 and 2, and have to decide whether to drop no. 3 or no. 4.
Other combinations are certainly possible.
Regards, Mannyrock