A Ruger P95 would be the most cost effective but lacks the safety features other then an external safety and being a double action firearm but being a very good/reliable gun. The SR9 sounds like a better choice for your needs. It has an external safety which I like for a home defense protection. It also has a chamber indicator and a mag safety. The SR9 is a nice firearm with a good grip and trigger and comes with a life time warranty. It's also made in the U.S. which provides jobs for us Americans. What a thought.