I have a HP 4095 carbine in .40 S&W, and bought my grandson a 995 carbine in 9mm. We love them both, they're outstanding plinkers and with cheap BSA red-dots are more fun than you can imagine. Accurate and reliable, I wouldn't hestitate to use either one for home defense. Yes, larger mags would increase the fun factor, but I certainly wouldn't consider that a dealbreaker. For the price, warranty, and fun, you can't go wrong with 'em. I highly recommend them. No experience with HP handguns or the .45 carbines though.