I think people are missing the point of the thread. No matter what details you add to the scenario, you have no access to another gun, and in months to come you still will not have access to a higher quality weapon.
If at this time you turn your nose up at a cheap gun, what are you thinking? I'd be more confident and competent with a Hi Point than I would be with a knife or other defensive weapons.
So if your choice is no gun at all, EVER, or a Hi Point, you're fooling yourself that you wouldn't choose that cheap pistol.
Do I want to carry a Hi Point, heck no, but I'm also not going to invent variations to the scenario so I can carry the gun I want to.