you must self-evaluate if you are willing to use it when all else fails. To have a gun but be unable/willing to use it as your last resort is worse than not having the gun. I do not know you personally but given what you have shared I would venture the answer is 'yes'.
The short answer then is 'the gun you shoot accurately and feel comfortable with'.
Many people are down on Taurus. I do not own one personally but would be confident carrying one. Modern Taurus pistols are not the same as they had in the 80's.
My most common carry is an S&W 638. A simple, old fashioned 5 shot .38 that easily can be carried in a pocket holster. Not sexy but there is a reason they have been around for 65 years.
My 'duty' carry (as a security consultant) is a commander size 1911. As a single action it does require more skill but has been combat proven for over a century.
Rarest I will carry a full-sized Sig P226. It is a large gun and usually will only have it when I am required to violate my personal rule of avoiding high-risk crime areas. Thankfully such occasions only happen once or twice a year.
Equally important is how do you carry the gun. I recommend a level 2 holster if possible. The female shape often has comfort issues carrying in the traditional hip position. A shoulder holster often will overcome this or cross draw can be effective. Last choice is off body in a purse or pack design for firearm carry.
Ammo is another consideration. Do not carry FMJ. Over-penetration and poor stopping power are major downfalls. As you noted, don't trust your life to reloads. Major brand JHP will give you the best, most reliable results. I am partial to Federal and Hornady. Try different brands to see what gives the best accuracy. I like 124 grain for 9mm. It is the best combination of bullet weight and speed IMO.
Carry safely and may you never have to use your weapon. 
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