Use..mostly at the range, & home defense...Your sort of 3rd option changes it A LOT.
Take a gun safety course
Go to a range & rent some glocks,SW M&P's Sig XD (m or s) SR9's in a decent (reasonable) home defense caliber.
9mm minimum, .45acp is better. (40SW, Sig357, 44mag are all more money)
Pick the 1 you hit the target most accurately & feels comfortable.
There's a ton of good used guns on www,migunowners.com for around 4-500 $ but hey it's your live!
If you find 1 that makes you feel confident & comfortable as a life saving tool buy that one, then shoot the shit out of it. Know it forward & backwards strip it & clean it until it's absolute 2nd nature to you.
Now if you decide you want a carry pistol, AFTER you take a CPL class, (after shooting the shit out of your 1st choice). That oh so special pistol you just picked maybe to heavy/bulky/etc to carry.
If you of average build? You may want an IWB (inside the waistband) style holster. If you're a larger fellow (maybe muffin top) you may only feel comfy with an OWB (you guessed it..outside the waistband) holster.
A REAL concealed carry belt (usually 1 1/2") is mandatory for either IWB or OWB. (hanks clothing CCW solid leather about $36)
Good luck, DO YOUR HOMEWORK, read reviews, look for problems, recalls (yes on New pistols, all too common)
There is NO substitute for muscle memory. That takes LOTS of rounds down range. $$$$ & Lot of dry practice. Some people go through all the hoops as I've mentioned then go to the range twice a year. Again it's your life. You want the action to be a seamless instinct not a fumble/fuck/fest.
There are some knowledgeable people on here who will chime in to help you along.
George