I have had my 995 Camo Stock carbine for a few years now, and love it. Utterly reliable, pretty accurate (outshoots my M1 Carbine at 50 yards).
i have been eagerly awaiting the .45 Carbine - the 995 needs a Big Brother, and my Colt M1991A1 can use a bigger longer-ranged backup too.
A buddy has the .40SW caliber Hi-Point Carbine, and loves it. He much prefers the HP to the Kel-Tec Sub2000 that he also has. He only keeps the KT because it carries so easy on a motorcycle or backpack.
My one gripe - I wish Hi-Point made the .45 Carbine to take the 10 and 15 round .45ACP magazine for the Colt 1911.