Posts like these always worry me, for multiple reasons.
You can really keep your costs down by not buying a gun at all. Think about all the money you save. You are planning to buy a life saving device. What's your life and your wife's life worth to you? $300 for a SCCY or $550 for a proven service weapon that millions of people, including law enforcement officers, rely on daily? You are trying to save $250/gun or $500 in total. Why? If you really live paycheck-to-paycheck and can only save little every month, I understand. Otherwise, plan ahead, save accordingly, and buy once/cry once.
Now comes the real question. Did you plan a budget for accessories (e.g. holster), training and self defense ammunition, a training class, and regular practice? Again, if you really live paycheck-to-paycheck and can only save little every month, I understand. Otherwise, plan ahead, save accordingly, and then train, practice and carry your firearm with quality equipment. Two quality holsters, 200 rounds of self defense ammunition, 1,000 rounds of practice ammunition, a cleaning kit, and a training class for two persons can easily cost $700.
I carry a Glock 19. Glock firearms are reliable in adverse conditions and with high round counts. Mine has over 10,000 rounds through it and I trained with it in muddy conditions just last weekend. 9mm Glocks tend to have the least amount of wear and tear. All internal OEM components that might wear out, such as springs, are easily replaceable and available on the market. A used Glock 19 may be an option if you want to save money. Smith & Wesson M&P 9c or Shield is another option.
This is only my opinion. You have to make up your own mind. Feel free to ask questions.