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But you're using a Hi Point in your example.That’s a valid counterpoint. I’d argue that the added cost is minimal if we are talking about a 50 round box of cheap 9mm FMJ vs a 20 round box of JHP designed for defensive use. We’re talking about an extra $10 to $15 that might make the difference between stopping an attacker or not.
If we’re talking about a couple of hundred dollars difference between a Hi Point and a gen 1 M&P, id make the same argument, with a cost difference of maybe a couple hundred dollars. But I wouldn’t argue with you that a couple hundred dollars is a lot of money for some, depending on your financial situation.
Say I was stuck with choosing between the nice of the Springer 1911s (like one of their offerings that's right around $1000) vs a Gen 3 Glock I'd probably go with the Gen 3 as all the money I save can be used on training/ammo.