Are you concerned at all if the firearm malfunctions for whatever reason, that your current physical limitations may make it difficult to get it back in action? Maybe your SP101 would be a better choice? I don't really know, just trying to cover all the bases.My XYZ "is 7+1. I have two loaded additional magazines. That is 22 rounds."
Sorry to say, this may not always be correct. There may/will be a time when a 'reload' is not possible. One reason I shifted away from the SP101 was on board round count. At the time, I was carrying 2 speedloaders giving me a total of 15 rounds BUT that required the gun be reloaded (and unavailable for use) twice for the 15 rounds. I came to realize that there could be a scenario in which I couldn't manipulate a reload in a timely fashion which prompted a switch to a 12 round magazine 9mm. 12 in the mag and one chambered makes nearly as many rounds available w/o any manipulation. If I choose, I can use the 'big boy' 15 round mag and exceed the capacity with only minimal size increase.
I'm fully aware that I'm not one of the 'run & gun' competitors, my hand coordination isn't what it used to be, and I tend to drop stuff (oft-times lots of stuff). Presently, I'm dealing with physical issues that can at times, reduce the use of my dominant hand/arm to nearly nothing so I really don't put much faith in a multiple reload defense plan.