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Having gone through this recently, I'd heed the warning about total cost of ownership, especially if $500 is a hard limit. In addition to the gun, you need a holster and depending on your situation, a safe and ammo and a few other things. JHPs are quite a bit more expensive than FMJ.
I think I paid $575 for my S&W M&P9, but by the time I got out of the store, I was down a bit over $800 and I hadn't even bought a holster yet.
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