re: Good handgun for under $400?

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Yeah, but it's a glock

Get a S&W M&P or a Ruger.

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I have range toys and the guns I trust my life to.

The second a gun has a malfunction, it's a toy. All the Glocks, the two AKs, and the shitty maverick 88 mossberg shotgun are the only ones to never let me down.

Obviously the bolt actions too, but they're such a pain in the arse to conceal carry.

Advice to the OP, get something you can trust. An M&P or a Glock. The M&P is more sensitive to limp wristing or light ammo. If you shoot factory loads and are always holding onto it, it's a fine gun.

Get a 9mm.

Shoot a few thousand rounds, then decide whether you like 18 shots as fast and accurate as possible (9mm), you like throwing door knobs (.45), or if you have hands like a gorilla and like the idea of a bullet that is carrying 750ft/lbs of force behind it (10mm).