Stick with the tried and true! There are a few folks on here that have Hi-Points and like them. I hear more bad than good about them. If you are going to spend money on a defensive firearm then you don't want to pinch pennies. You want something "reliable" that you can count on in a pinch! Whether that be a revolver or semi-auto. It's hard to go wrong with manufacturers like Sig, Smith & Wesson, Ruger, Kimber, etc... If you want affordablility and reliability in a semi-auto, then the Glock or Springfield XD pistols are going to be your best options.