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Firearm Tiers

Can’t argue with science.
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So which is the best way for a total newbie, non-gun-owner, who wants to get his or her first general-purpose handgun (home defense, car carry, occasional on-body carry, keep in desk at office, etc?) to spend this person's absolutely firm (NON-NEGOTIABLE, no wriggle room), $500 budget?

Is that $500 budget best spent:

(A) Buying a good handgun for $480 and a box of ammo for $20?

(B) Buying a good handgun for $400 and budget $80 for practice ammo and a couple trips to the local gun range, saving only half a box of defensive ammo to keep in the gun after that?

(C) Buying a cheap handgun with a questionable reputation for $200, an extra mag for $30, a nylon or kydex holster for $30, spending $100 on mostly FMJ range ammo with one box of good defensive HP rounds, then taking a handgun training class that has both a classroom component and a range component for $140 (during said class you'll use up nearly all your range ammo and half your box of 50 good quality defensive rounds, too).

(D) Buying a $130 Saturday Night Special, $30 for an extra mag for it, $40 for a holster and magazine pouch, and spending the other $300 on a total of 7 trips to the range over the next 7 months, using that money on both range fees and ammo and targets, but with no professional training or coaching?

Keep in mind, your budget is firmly set at $500.
if you say you can't get a good enough gun and enough training for that money, this person will give up, not own a gun, and will instead just carry a $20 canister of OC pepper spray and buy a lucky rabbit's foot to keep himself or herself safe.
 
So which is the best way for a total newbie, non-gun-owner, who wants to get his or her first general-purpose handgun (home defense, car carry, occasional on-body carry, keep in desk at office, etc?) to spend this person's absolutely firm (NON-NEGOTIABLE, no wriggle room), $500 budget?

Is that $500 budget best spent:

(A) Buying a good handgun for $480 and a box of ammo for $20?

(B) Buying a good handgun for $400 and budget $80 for practice ammo and a couple trips to the local gun range, saving only half a box of defensive ammo to keep in the gun after that?

(C) Buying a cheap handgun with a questionable reputation for $200, an extra mag for $30, a nylon or kydex holster for $30, spending $100 on mostly FMJ range ammo with one box of good defensive HP rounds, then taking a handgun training class that has both a classroom component and a range component for $140 (during said class you'll use up nearly all your range ammo and half your box of 50 good quality defensive rounds, too).

(D) Buying a $130 Saturday Night Special, $30 for an extra mag for it, $40 for a holster and magazine pouch, and spending the other $300 on a total of 7 trips to the range over the next 7 months, using that money on both range fees and ammo and targets, but with no professional training or coaching?

Keep in mind, your budget is firmly set at $500.
if you say you can't get a good enough gun and enough training for that money, this person will give up, not own a gun, and will instead just carry a $20 canister of OC pepper spray and buy a lucky rabbit's foot to keep himself or herself safe.
Those hypotheticals assume that you would never earn another dollar that could buy ammunition?
 
Not for the next several months.
The next hope to get money would be a Christmas bonus, or getting gun stuff or ammo as a Christmas gift. The limit is firm. No additional budget for ammo. Any money spent for ammo means LESS MONEY for the gun, for holsters, for a spare mag, for training.
 
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