I'm sorry, I have a suggestion, but I wanted to make a point first.
This is a concealed weapon that you hope to never have to use, but if you do, you are going to need it to be 100% reliable. At that moment, do you really want to think about how you saved $50-$100?
I mean no one finds out they have cancer and asks for the middle of the road treatment option.
I would look used and I would look polymer like Glock to be honest. There are millions of them, so they aren't rare to find used, they go bang when you need it and they are not difficult to carry or use. I would look at a .45 personally, but that is based on what you can shoot effectively.