Seems like good advice you are getting here...When working in the later 70's and early 80's I was issued a M10 but my "BUG" was actually a more effective Colt Combat Commander when I wore a coat...In shirt sleeve weather, I carried a small framed snub .38. I had a little Beretta auto in .25 ACP but never considered carrying it...If you need the money for a BUG, then perhaps you should sell it and save some more money and buy a better quality pistol...Heck, I think Hi-points have a better record for reliability than either of the two you mentioned...As one person noted, if you need a BUG, you will REALLY NEED it to be reliable and accurate and something you can shoot enough to be competent with it...