This is all hobby for me, provided I can fire it now and then, and always have a box or so of ammo sitting around for a rainy day, I'm happy..
I don't know if you mean a SHTF scenario by this, but if so, I strongly recommend that you migrate to something that's centerfire. Antique rimfires are fun to play with, but in a life & death scenario where you need to protect yourself against wildlife (or anything else), they would be too iffy to have. Personally, I'd rather use a large knife for close quarters self defense that rely on something like that (as a knife is always reliable).
First, you have the ignition dilemma: are your 100+ year old BP cartridges going to fire? Or, if you have the reload kit, is the pin 100% aligned with the primer? Remember that when you really need a firearm, it has to be 100% reliable, no questions asked. these little rimfires were reliable in the old days when proper ammo was widely available and fresh, but not anymore.
Then you also have a little matter of velocity. Whereas pretty much all centerfire guns have heavier bullets that travel a lot faster (in other words, more stopping power), an antique rimfire pea shooter is perhaps not the best choice when you have 1 second left to live and need to defend yourself if you're gonna make it. Sure, the .38RF is a step up from the smaller .32RF (which are said to travel so slow that you can actually see bullets flying when fired), but it still doesn't compare to a full size centerfire handgun.
So... Get yourself something like the French 1892 revolver... they're relatively cheap and extremely well made, I've bought 3 of them myself. You can probably buy one more or less for the price of 2 of them rimfires and probably a lot cheaper still if you buy in the States and have it shipped over. You'll be glad you did, trust me.
