is that type of firearm still the best choice?
The general proposition of choosing something less expensive over something more effective to defend myself with based on possible confiscation and possible damage or delay in its return, is so wrongheaded to me it borders on the ridiculous. My AR with do dads on it is worth over $2K. $2k is worth much much less than my life. I want the weapon I am the most proficient with and that is otherwise best for the task. If it is a good shoot in most JX the gun will come back to you, assuming it was taken. My defensive firearms are working guns. They get scratched up training and shooting. Avoiding extra scratches is not worth more than my life. I probably wouldn't use some heirloom or collectors piece (but I wouldn't use them anyways because I wouldn't want to put them through the wear and tear of training) but I can buy another Noveske.
Furthermore, as others have pointed out one can get a good AR, say a PSA for around $600. The threat of losing $400 more than I might motivating me to pick an inferior weapon is inane, plain and simple.
The OPs line of logic would tend to push one towards keeping no gun at all. After all, simply having a lawyer consult with you and accompany you to a police interview will cost you $400 an hour. If you are sued civilly you are looking an many thousands of dollars. If you are charged criminally you are looking at $60K and up in attorneys fees.
All that makes a $600 AR, or even a $2000 one, look like peanuts.
Sounds like you've never shot a gun indoors without hearing protection. I have, and I can tell you that any gun will temporarily cause impaired hearing. Other than a paint ball gun, BB gun, or pellet gun there is NO gun that "wouldn't deafen you."
Sounds like you have shot a limited selection of firearms indoors and not really though through your statement. Any number of suppressed firearms firing subsonic ammo will not deafen you one bit. Your contention about 'NO gun" is completely incorrect.
That said a hi point carbine may not deafen you to the same extent as an AR but if you touch one off indoors it will still deafen you to some degree.
Having owned both an AR and hi point carbine I wouldn't say a hi point couldn't be used for home defense but I would much rather have my AR. Heck given that the highpoint only has reliable 10 round mags I think I would rather have a $250 shotgun with 8 rounds of 00 buck if I was simply trying to keep a cheap gun on hand. That said I do think a PCC would be better than a shotgun for many users.