Scott,
If you are on a tight budget, look for a good clean used pistol. 40S&W police trades can be had at a good price. While they look rough due to holster wear in general, most of these guns are not shot that much so they have a lot of life left in them.
Glock refurb pistols in the $350 range are a great deal and look like new besides having been blessed by the factory.
Beretta 92/96 series pistols are also excellant values in a used police trade in. Depending on features look for one around $320 to $360 (depends on night sights and DAO).
S&W Sigma's are junk. Stay away from them. Glocks are a pretty simple pistol but, S&W didn't get the cloning process down. The Walther colaboration holds promise but, Glocks are cheaper and better IMHO.
Rugers are good serviceable pistols. They just have a few rough edges in terms of manufacturing prowess and quality. They build a straight forward cheap pistol. They are bigger and heavier then required because of the cheap manufacturing methods employed. They also don't seem to balance well in my hands. That big chunk of metal up top going back and forth may take a little getting used to as well.
I would strongly urge you to consider a clean used pistol rather then a brand new Ruger. While the Ruger is a serviceable pistol, it seems crude in my hands when compared to the competition. I know it costs more to buy Glock, Sig, etc. but, especially in self defense piece, it's worth a little extra financial pain to have a superior firearm.
Sid
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Tx FFL and Glock'aholic
[This message has been edited by Sid Post (edited August 20, 1999).]