havent thought about it...will get concealed permit but dont want something as small as .380
CC or night stand is more than just caliber. You can carry a PF9 but do you want that in your night stand as your sole HD weapon? I think ptelite was asking what the main purpose of it was i.e. range, carry, car, HD etc.. I would base my choice on purpose, then once that is covered you get another handgun for another purpose. I don't think you can cover all 4 with one handgun.
and X2 to drtybykr - if it's not on your person it does you no good.
Don't sweat it too much, whatever you decide you'll change your mind, buy, sell or trade at least 8-9 handguns in different calibers over the next 6 months before you figure out what you really want... LOL
IMHO
ps - I'd go 9mm, cheaper to shoot and if this is your first, you'll be shooting it a lot....