I own two Makarovs, bought one for $189, pristine condition with holster and extra mag. Bought the other one for $129, some finish wear with extra grips.
I like them both. Nice comfortable shooters, amazingly accurate, easy to clean, and cheap ammo. No misfeeds or problems. I don't actually consider my Maks daily carry pieces, but I would certainly grab one without hesitation to defend my life. They will fire every time.
I have an older Charter Arms .38 snubbie with original wood grips. Bought it used for $175. What's not to like except for the recoil? It's lightweight, and fits nicely in a pocket holster. I would still carry it if it held more than five rounds. No problems ever with this older model, but I watched a guy next to me at the range last month trying to get a newer one to lock up correctly and fire. It was totally out of sync.
Heard good things about the Bersa Thunder, but have never fired one. No experience with Kel-Tec P-32's either, but I love my P11 and P-40's.
If I had to stay under $200 for a carry gun I would carry the Charter Arms.
Regards, Keys