Why a $400 limit?
I am sure you are on a budget, like most everyone else.
However, you do not want your surgeon using low-cost scaples, IV components etc do you?
It is best to buy to the highest standard you can, once, rather than buying an el cheapo and then having to upgrade once you realize it is not what you really want or need. I won’t go into the quality arguments of the High Point, but for around $350, you can buy a new S&W Sigma in 9 or 40 and be done with it. A couple of extra mags, a few boxes of ammo and you are just above your $400 threshold.
The next and maybe most important part of the elf-defense equation, is obtaining professional training on home and outside the home self defense. You can pay thousands and travel across the country, or you can contact the NRA, search for an NRA instructor in your area, and pay a very reasonable fee for good, comprehensive and up to date training.
Owning a firearms does not in and of itself make you “defended”, the knowledge and ability (through practice and conscious thought) of HOW to apply the tool in a reasonable set of scenarios does that. Dry practice involving presentation, firing, reloading, malfunction clearing drills and basic tactics (enabling you to be more protected, while enbaling you to be able to use your tools to better effect) are the essence of self defense.
Best;
Absolutely spot on! Training is critical. The better trained the safer and more accurate. The NRA is here to help and they/we do a fine job of keeping people safe. Become a life member and get involved today!