For some of us price is a factor. I'm not saying buy a cheap gun but there are several things to consider when purchasing a handgun for self defense. To me the most important issue is competency. How well can you shoot it? Are you confident in it?
Some related expenses in a new gun: Holster - $50 to $100, Belt - $50 to $100, Practice and SD ammo ?????
My point is buy a decent gun that you can afford to shoot, a lot. You can always save and trade your way up the scale.