Not familiar with the Rock Island Armory offering, but I can tell you a bit about hi-point: They are cheap, big, ugly and thankfully have a lifetime warranty. Now for the bad parts
- if you get one that runs well right out of the box, buy a lottery ticket, it's your lucky day.
Case in point: I was taking a class earlier this year and had someone with a (brand new - go figure, bringing a new, untested firearm to a training class, but...) hi-point beside me during part of the range time. Kinda went like this: bang bang jam. bang jam. bang bang bang jam. Kept up like that the entire time - on the positive side, guy got a lot of practice clearing jams.
And that's pretty typical - now, sometimes it just takes breaking them in - a lot of break in - and sometimes it takes a trip or three to the factory, but if you keep at it you can end up with a reliable firearm. A cheap (if you don't count your time and shipping, if necessary), big, ugly but reliable firearm.
Personally, I'd spend a bit more and get something I can expect to run well right out of the box, and as a bonus has nice clean lines - and still has a lifetime warranty if I ever need it.