Just my opinions:
I would not carry the beretta .22 because you may need to defend yourself with it. A .22 can kill people but shot placement is key. You seem new to firearms and unless you are the exception to the rule you probably won't be too good of a shot in a high adrenaline situation.
Some people refer to the .40 as the "slow and weak" this is not the case and plenty adequate for self defense. But it also has brisk recoil (so i've heard). Practice is very important but it is even more so when you are shooting anything with high recoil.
As long as you get a good name gun you should be fine.
Read up on KRS 237 and 527. Read and understand every law that you will have to abide by. You don't want to be arrested getting your drivers license renewed.
"FA" means different things to different people. You could have meant "firearm" "full-auto" "field artillery" and each could have made sense.