Never owned a P95 but my BIL has one and he swears by it . I trust him because he has never lied to me. But I can say the SW9VE is a great gun. I am on my second one now ( first one I traded for a vehicle ) . As far as accuracy it depends on the shooter. I had a range officer shoot mine and he told me I am aiming for this spot and he it it in that spot twice in a row. I am not as accurate with it as I would like. But I don't get to go to the range as often as I would like. But either way you can not go wrong. And as far as trusting my life on it you bet I do. I have 3 mags loaded with 15 rounds each and one sitting in the chamber. I like the idea of the heavy trigger pull personally as it was designed that way. And I like the fact it takes more for it to go off. Cuts down on the chance of a AD or ND . And if it were me I would own both if I could afford it. As for the caliber I like 9mm because it is cheaper to shoot. Cheaper means you can practice more. And more practice means you have a greater chance of hitting what you are aiming for. And being able to hit what you are aiming for means it is a good choice for HD and SD. Good shopping my friend and do your self a favor move to the South so you don't have all the crazy laws that you have in NY. A lot easier to get guns and easier to get Conceal Carry so you can have protection in more areas. In Oklahoma if you shoot someone in SD and it is justified then you can not be sued in a civil court. Meaning neither the person you shot nor his family can get money from you. The only bad part of moving to the south is we would have to pick on you for being a Yankee.