I know you said money is a deciding factor but I have always considered a firearm to be one thing you don't want to "cheap out on". You can find a used XD40 for around 375-450 depending on where you look. Then you grab yourself a 9mm conversion barrell and bam, the gun you want with the ability to shoot 9mm. It seems from your posts that an XD is what you are after so I reccomend saving a little more and going that route. I've always thought it better to "Buy Once, Cry Once"