The 642 is my everyday carry gun.  Using a De Santis "Tuck This" iwb holster,  I wear year round..... shorts and T-shirt included.   The trigger is heavy by design,  but stages predictably well.  It's surprisingly accurate.   I collect and shoot several guns including Walthers, Berettas, Colts,  Sigs, Rugers, and a few Smiths.   Every morning,  it's the 642 that makes it to my waistband.  Get some +p hollowpoints and you'll have nothing to worry about.   Btw,  I paid $349 four years ago.