Hi CoffeeShooter,
So your looking for a CCW handgun, thinking about 22, thinking about a 22 and a 9mm combo.
I'll throw in my 2c for what it's worth..which is probably nothing..LOL
I would say that because you are on a budget forget splitting your limited budget into 2 cheap or inexpensive guns and invest what you would spend on 2 guns and 2 different kinds of ammo and get 1 good gun and the ammo to shoot through it so you can get comfortable with it.
That being said I would recommend a 9mm.
Find one that you will like to shoot, can be accurate with and then get to the range (as limited as that is) and put some rounds through it!
When I am looking into getting a new handgun I will spend a lot of time in Forums (multiple) and see what people think also knowing to take what I read with a grain of salt.
Another Forum I like is:
http://www.floridaconcealedcarry.com/Forum/index.php
Yes it's Florida based and I went to it when I was getting my Florida CCW License but I've stayed because it has great info not only on Florida licensing but guns in general.
Also if you are narrowing your search many manufacturers have their own forums such as Sig Talk Forum.
http://sigtalk.com/sig-sauer-forum/
Next I spend a lot of time on Youtube narrowing down my search by seeing what people I trust are saying about the guns I'm looking at and see them actually being handled and shot.
From all this I can usually take a handful of guns and narrow it down to say a couple.
During my search I hit the local Gun Shows to get a one on one with the guns I'm looking at..
much more informal than standing at a glass case at a gun store with the sales clerk watching you.
I want to actually pick them up and feel them in my hand..
Pull the trigger..
Does one feel much better than another..
After all of this is done my radar is zeroing in to a pretty tight window.
Lastly if you can...Shoot it!!
At rental prices and ammo a big reason that I've done the legwork is so I'm not renting a bunch of guns..at $10..00 a pop and their ammo that process can get expensive!
I just want this last step to finally convince me on my purchase.
The final step is to find MY gun of choice at the best possible price!
I check GunBroker but with a shipping charge of at least $25.00 plus and a FFL transfer of at least $20.00 I have to add $45.00 + to my gun of choice.
I purchased my M&P Shield this way.
My Sig Sauer P320 Compact RX I found at my local gun-store for $750.00.
A price that I have not seen since...anywhere!
So, I never not consider my local gun-stores..
Great deals can be found there and no shipping or FFL charges.
Another good search for guns is
Gallery of Guns:
http://www.galleryofguns.com/genie/powersearchnew.aspx
As far as a Gun...and your inability to probably shoot it before purchasing..
The above process will at least let you get it into your hands for a real feel.
Next I don't think that you could go wrong with.....
M&P Shield's are great guns that no one will knock and you'd be better off to take the $$$ you would spend on 2 guns and get this one gun..
Search out and find the best price.
With the Shield M2.0 out you can find great prices now on the original Shield..which is still a great gun.
Springfield Armory XD line..XDm..XDs they always get good reviews.
Though you'd probably need to find a used gun to meet your budget.
Same thing for a Glock..
And I'm a big Sig Sauer fan but for their price a used gun would have to do.
Lastly some links to guys that I like on YouTube..
Hickok45
https://www.youtube.com/user/hickok45/videos
Sootch00
https://www.youtube.com/user/sootch00/videos
Hegshot87
https://www.youtube.com/watch?v=bvTo11dvddU
Gun Channels on YouTube
https://www.youtube.com/watch?v=AuTJvpa3NGc
Good luck with your search and ultimate decision..
Mackie244 / Bud