In my world, the .32 ACP is the same one step below effective as the .380 ACP is one small step above.
Doesn't Seecamp make a similar-size .380? Why not get her that?
Off-body (handbag) carry is not a good idea. Think purse snatch. Think, "Oh, oh, I've put my bag down somewhere..." Think curious child looking into mommy's bag.
My wife, Jean, likes both the Smartcarry and a couple of clip-on, IWB holsters for both her S&W Bodyguard and her Kel-Tec P3AT.
The Smartcarry works really well for her because she doesn't ever wear a pants or skirt belt, and she finds it very comfortable to wear all day long. Her S&W snubbie disappears within it, but her presentation from it is still very quick.