I would buy used, If it has been taken care of then buy it. Just look and you will save about $100, Sometimes you can find deals with a scope on it and such. There is very little blow back on the Encore and it is very easy to clean. If you use some powers you can clean it with just water and then make sure every thing is clean, Then you can coat it in a good gun oil and store it. The frame may have the be wiped down but that is it. $400 for another gun as a ML separate is crazy, and It will be worth about $200 when you go sell it and you will still have to put optics on it. You can find a good used ML barrel for about $200 and put a descent scope on it for the same price as the new ML. Most take good care of their ML's and you won't find any rust.