A step in the right direction
I have not personally had any experience with the Ruger's, but for the most part, I have heard from other shooters and watching others on the line, they appear to be very reliable and durable. I have also read some good things about them and I have contemplated the purchase of the p95 or p90 before, but have a few others I would rather have before that one.
I think you are on the right track stepping up to something else as soon as possible.
I think Ruger's are a very good value, but I do have some political differences with them.
Look at a few different ones and see what ya like. If and when ya can swing another $200 bucks, it will really open things up to several other handguns, but if ya like the Ruger and are ok with the company, then I would say go for it. Everyone no matter what it is, makes a lemon once in a while, but from what I know Ruger makes some pistols ya can tote with confindence. I would not hesitate to carry one if I had to change to them for some reason. ( After checking it out with a few hundred rounds first, as I would any weapon.)
I myself tote a Beretta 92 and find that I can conceal it rather well with proper dress and holster, but that is what I am used to carrying and used to carry back when in le. I would strongly recommend Beretta, Sig and many others including Ruger.
Just keep it simple, which can be tough to do sometime.