If it were a choice between the two, the only one I would have would be my colt 1991A1 with 230 gr. Speer Gold Dot JHP. I carried that for three decades until a couple years or so ago when I shifted to a Walther CCP M2+ in 9mm, which is loaded with 115 gr. Speer Gold Dot JHP, which is essentially a .357 caliber, even if it's not a magnum.
(I noticed some apparent nerve issues on my week side. Moving my wallet out of my left rear pocket to a front pocket helped a lot, with the symptoms essentially disappearing. Shifting to a lighter pistol also helped. I haven't had an issue since.)
As for the ATMs...I rarely use walk up ATMs. I pull my car up, very close to the ATM to make it impossible for someone to wedge in between me and the ATM. And I'm aware of my surroundings when I do. If it's suspicious, I leave. If someone pops out, I'm already prepared.