A good quality carry gun, something like a Glock, Ruger, CZ, Smith, usually runs about $300 to $600, depending on model. What's your life worth? You don't need a $1500 race gun, custom engraved, polished any thing. Nor should you buy as cheap as possible. Yea, plenty of guys will tell you how their $100 pot metal .32's are the greatest thing ever. Plenty more will tell you something else. You get what you pay for....
If you use your carry gun in a self defence shooting, you can count on it be taken by the police as evidence, until the shooter (you) is cleared of any wrong doing. From there, how fast you get it back, and in what shape is really dependant on the police dept. / court system you are dealing with. By the way, it should go without saying, that if you are ever involved in a shooting, you shaould make it clear that you do not wish to make a statement until you have a Lawyer present. Innocent people say strange things when under stress, and after a 30 year carreer in law enforcement, I can tell you some Officers / D.A's are concerned about convictions, not sometimes so much about having the right person, or doing the right thing.
Larry