I havn't read every post on this thread, but please...Let me deter you from the Hi-Point pistols. I'm a gun guy. I love guns, blades are my second love.
First off. Hi-Point has amazing customer support. I bought a C9 from a guy one time, and all it came with was the lame Ghost ring rear sight. Made the gun completely inaccurate. I called Hi-Point and I had a 2-dot rear sight at my door, free of charge, within a couple days. This greatly increased accuracy of the gun. Second, Hi-Point has a lifetime warranty, which is awesome for any product.
But...Starting off, pistols are not Hi-Point's strong point. They make a great little pistol caliber carbine. The pistols are huge, heavy, don't run smoothly, and are very iffy with different types of ammunition. If anyone says the Hi-Points are extremely accurate pistols, just havn't shot a good quality firearm before. They're accurate, to the sense that you're only going to be using it at 15 feet and aiming at center mass. Don't get me wrong, this is normal pistol range and usually the distance a self-defense situation would go down.
A Hi-Point's ergonomics are not great at all. They feel like you're holding an overweight airsoft gun in your hand. I can understand that you're only wanting to use this pistol for home defense/self-defense, but it's just not worth the save in money. If a pistol only costs $100 are you really going to want to put your life on it? I've owned a C9. A C9 was actually my first pistol I bought on my own, and I thought it was great at the time, and that's until I actually held and shot something of quality.
My suggestion. Go to a gunshop/local range and try out some pistols. Try the Hi-Point, but then also try some other pistols, even if they cost 200-300 bucks more. I go by a motto that has proven itself several times over for me. Buy once, cry once. You get what you pay for. If you're looking in the 100-200 dollar range, your best bet is going to be an old Makarov or something. These can be obtained rather easily, and anyone with a C&R license can actually purchase them. The Makarovs are a proven gun, and I know several guys who still swear by them to this day. Guys who carry them everyday, and rely on them to go bang every time regardless of the situation. I'm not trying to preach or anything, but I've made the same mistake of purchasing the C9. It's not worth the $100 bucks, it's just not, because later down the line you're just going to go out and buy something of quality. Springfield, Glock, Sig, something.
If you're talking 200-300 bucks. Ruger, S&W, and even Taurus has some pretty good semi-autos, better than any Hi-Point will ever be. In conclusion, just avoid the Hi-Point. Sure they have great customer service and warranty, but that doesn't make a gun. Once again, buy once, cry once.