I carry a full-size Sig 1911 (45 acp) in winter, and a Smith and Wesson Shield (9mm) in the summer. Tuck-able inside-the-waistband holster for both. Jacket is mandatory for concealment of the 1911 for my carry position, hence the winter-only carry.
I dry-practice daily. This costs nothing, and allows me to maintain a pretty high level of proficiency. Minimum daily practice is about ten draws from concealment, sight alignment, and click. I focus on smooth movements, and making each repetition in a training session just a little faster than the last, and the session is over when I am not sure the next rep will be faster than the last (that's the point where you're starting to practice sloppy movements).
I'm at the range at least once every couple of weeks. During the live-fire sessions, the focus is mostly on low-round-count weapon-handling drills that I can't effectively practice without firing (e.g. draw, fire two, mag change, followup shot, holster and repeat; double-taps to practice recoil control, etc.), because after all of the dry-fire practice drills, just lining up the sights and hitting the target is trivial.
I reload, so ammo cost (especially for the 45 acp) is much reduced, and with the low round count focus at the range, it's very affordable. I also do most of my shooting on public land, so no range fees.
This may seem like a lot of practice, but honing pistol skill is just as much recreational for me as it is about self defense and preparedness.