TLDR:
Carry ammo for your BUG. Speed strips are compact, functional. Scalpel hold for dexterity, load only four rounds for speed.

Brian Wang is a full time firearms and self-defense instructor who resides in the San Francisco bay area. He is trained under the Massad Ayoob Group to guide everyday students like yourself through the complex legal, moral, and social  ramifications of the use of Deadly Force in self-defense. He and his fellow instructors offer group and private classes for civilians every day of the week in and around the Bay area. You can find more information about upcoming classes here.