Tax returns will be here by the end of the week. After years of wanting a gun and recently shooting quite often with friends and their guns, I have decided its time to make my purchase. I'm having trouble deciding on which of the three to choose from. A little about me I'm 6'1" 350 lbs so I'm not worried about concealment size. Hell I lost the remote for the tv with an adjustment in sitting. I also have decided on a polymer frame because you know that extra pound is gonna kill me... Lol, all joking aside the gun will be used for home defense and target shooting. I'm looking for personal experience on either if not both you have fired or fondled. I have decided to go with one of these full size poly framed 9mm for the simple facts comfort (interchangeable backstraps), weight, and ammo prices are low, I am not a rich man and I plan on practicing. I hear both the phantom and m&p will benefit from a trigger job, however the m&p pro series has the improved trigger and sights. I can get the phantom or the pro for about the same price and about 75 dollars less for the basic m&p. By the way the m&p will be the 4.25 inch barrel (not the 5" it just looks funny to me) vs the phantoms 4.72. How much of a difference do you think that will make in accuracy? Also your thoughts on hammer vs striker fire? What ammo do you prefer to use in these for home defense and which ammo for range. One last thing I am in California so I'm limited to 10 round mags. Please none one try and get me to buy a glock. It is between these 3 guns!!! So let me have it!!!