DirectShot - Welcome to the forum. If you do a Search and read through some of the other threads pertaining to Hi-Point pistols I think you'll find that they are a very smart purchase for the dollars spent. I understand your budget constraints, so this very well may be the best choice for you right now. There are many of us on this board that own quite a few handguns, and I would dare guess that most, if not all of us, have had to budget and economically spend at one time or another in our life. I'm happy for you that you have found a handgun that suites your needs and meets your financial situation. Let us know if you make the purchase, and let us know how it shoots. I have not owned a Hi-Point, yet. I've got my eye one their 9mm carbines in the camo stock. I've only seen one (online), but hope one crosses my path in the future.
Take care, best of luck, and again...welcome to the forum.