If I got the M&P, is it worth the effort of getting a DIY trigger job, OR, paying a gunsmith do it at a fair rate?
With striker fired guns you don't really do a trigger job. You swap in aftermarket connectors, springs, and other small parts that change the trigger to behave how (or close to how) you want it to. Apex Tactical has developed a reputation as the go-to source for M&P parts, and they even branched into SD parts a year or so ago, if my memory serves. 9mmEpiphany is pretty well versed on the Apex stuff, and I think Sam1911 has some experience with them as well.
Galloway Precision is making Ruger SR parts, but I really don't know enough to comment either way on those. Ghost Inc, well known for their Glock trigger bars, is now making Ruger SR trigger bars as well.
If you buy the parts and a couple of basic tools (usually just a punch or two, depends on the pistol) you can install the parts yourself if you're reasonably inclined mechanically. Take a look at the aftermarket parts companies online instructions, and look up YouTube instructional videos to see if it's something you're comfortable doing yourself. If not, since it's parts swapping rather than an old fashioned trigger job, even an armorer can do the install for you.
My last bit of advice is to start handling pistols now before you go to buy. find what fits your hand well and shop for a deal on that pistol or those couple of pistols which fit you best. I know you're on a budget, but an extra $50 to $100 now will save you the frustration of fighting against an uncomfortable pistol for years.
.. I'm still taken back from all the help received on this board & I thank u all so much for doing so!!
We all have fun with our little brain exercise debates about theoretical best caliber for ManBearPig defense, but threads like this one that actually help folks exercise their 2A rights are why THR was created. I'm glad you found the info and advice you needed.
Is there a paying member option for this forum, & if so, what are the requirements??
Well, since you asked, yes, you can become a contributing member for $25 for a year -
http://www.thehighroad.org/payments.php. The only requirement is that you have a credit card / debit card that the system can bill for payment. Your title will display as "Contributing Member" and you won't see ads anymore. That process has a little lag so send a moderator a PM if it doesn't kick in after a couple days and one of us will forward that to the site admins.