Ok, stepping up in size/power.

The 38spl/357mag is a good concept, and actually pretty smart only needing one caliber for supply/resupply.

WHERE, in what kind of environment do you live. Apartment, condo, house? How close are your neighbors? How heavily populated is the area where you live. IF THE handgun/rifle is for personal defense, you MIGHT want to rethink stoking them with the Magnum round. OVER PENETRATION! That is a very valid consideration. Ideally get yourself a Taurus Judge (45 colt and .410 shotgun round out of the same weapon). The 45 is nothing to sneeze at for hunting or self defense. The .410 is a good home defense round in a place with thin walls where you need to think about over penetration.