In any conversation regarding carry weapons and cost, "how much is your life worth?" question is always thrown out there. The implication is that if one doesn't have a high-end weapon on his hip he is risking his life based on price. There are many reliable SD weapons available at the lower end of the market, and if that is what a person can afford or chooses to carry I am fine with it. To lecture on paying cash, living without debt, delayed gratification, or even cost versus value seems condescending to me.
I think you're misunderstanding the gist. There are, of course, several excellent weapons available for relatively low prices. I personally don't own any handgun that cost more than $700 which, while not cheap, certainly isn't terribly expensive when it comes to handguns.
The point is that when you find the best weapon for your personal needs, the thought its cost and possible confiscation should not be a concern. You should carry the best weapon that you can afford be it a $300 Ruger P95 or a $2000 Wilson Combat.
For example, I have a CZ-75 that cost me just over $400 and a S&W 629 that cost me just under $700. Both are excellent guns that I trust my life to. When I get ready to leave, however, I don't think to myself "I'd better take the CZ instead of the S&W because I'll be out less if it gets confiscated." Instead, I think to myself "Which gun is better suited to the most likely situation for me to find myself in today?"
I can't afford a Wilson, Baer, or Korth and I probably wouldn't buy one even if I could afford it. However, if I truly felt that such an expensive gun was indeed the best one for me to carry, I would find a way to work it into my budget and would not hesitant to carry it because of the cost.
As I said before, the types of guns that I think are too valuable to carry have nothing to do with a dollar value. I am hesitant to carry my S&W 1911 not because it is too expensive to replace, but because it has sentimental value (a gift from my dad) that cannot be replaced at any price. Likewise, if I owned an extremely rare gun like a Webley-Fosbury or S&W Triple Lock, I would be hesitant to carry it not because of the monetary value, but because I may never find another one for sale at all.