I remember a game I went into with the idea that a light pistol was a good sidearm for day-to-day carry. It was the third time he was attacked while 'unprepared' and his bullets creased a skull with orthoskin, dermal armor and/or bone lacing (a tough dwarf and a trio of ninja cyber-strippers) with no appreciable damage when he upgraded to a Super Warhawk...
He upgraded to a cut-down AK-97 with a folding stock and some other mods tucked into his vehicle in nice areas, or under his coat in bad ones. That was after some goons came after him while he was on a date. Lobo really didn't like it when enemies in armor kept deciding he looked like the one to go after.