Have you shopped budspolicesupply?

You can pick up a 9c new with three mags, free shipping and no tax if you are military for a great price.... $399!

Or what I have the 9c with night sights for $455
S&W M&P9C 9mm Night Sights 3 1/2" MS for Sale at Buds Gun Shop $455.00

The 45's run a bit more, $442 and $499 with night sights.

OOOORRRR... You can get a 40c and drop a factory 9mm barrel in it ($65 from Midway) and have a 9mm AND a 40. You can use the full size mags for the range too. Or you can put a .357 barrel in a .40.