A comical example of how human beings cannot be categorized, except in the broadest sense, happened to me when I was 21. At the time, I weighed 165lbf and had a height of 5’ 10”. The doctor said that I was obese. I did not see many obese joggers around me when I would fast jog 9-11 miles most every day… something had to be amiss. My torso is short, shoulders wide and my legs are long. People have dramatically different torso sizes and shapes—if you want to be as comfortable and prepared for self-defense as possible, you should try many guns and many holsters to find what can actually conceal for your body shape.
Pistols are carried on your belt. If you must, then try a pocket holster with a gun like a Kel-Tec P3AT. The fastest draw and the largest concealable guns come from belt holsters. Without getting into generalities about body shape and violating the above-presented rule, I posit that the Makarov is a firearm that any adult can successfully carry concealed in a belt holster. It is small enough and light enough to work for this role.
It is cheap enough for most people to buy and the ammunition is cheap enough to PRACTICE REGULARLY with. Terminal ballistics are strongly dependent on the type of ammunition used. The cartridge is powerful enough to where you can use expanding bullets and still get deep penetration. I don’t recommend FMJ bullets for self-defense in this caliber. A JHP should expand and then penetrate to at least 12.0” in 10% ballistic gelatin in order to make it in any firearm that I carry for self-defense.
Most fights, in the concealed carry context, are over when your gun makes its appearance. Even slimmer odds hover around the ‘bad guy’ wanting to stand around and fight. Assuming the worst case, you need to make sure that you take the time to hit with the first shot—this will dictate your marksmanship through to the end of the fight. With a 40% hit probability being reasonable to assume, the handgun with a 9 cartridge capacity (Makarov) will deliver 3.6 hits to the target. If you are able to fire 9 times then 3 bullets will hit the target at ranges less than 12 meters.