what are you carrying that is over $3000?
and more importantly, what does it do that a $500 gun doesnt?
My carry isn't quite that expensive, but I felt like I touched on the second question in my post. But lots of folks seem to be overlooking the obvious:
What does my >$1000 carry gun(s) do that a $500 one doesn't? It helps me put accurate rounds on target faster. That's pretty much the only real metric fora combat handgun.
I'm not just saying that either, I have empirically tested it with a shot timer and range.
I have a used Sig P228 (was ~$450) which is very similar to my $1200 P229 Legion. The legion puts accurate(defined as in the thoracic triangle and likely to stop a threat, or in the head and likely to be a brain shot) rounds on target measurably faster at any range. The mods to the frame make it faster to grip, draw, and present in an accurate manner.
I have, and carried for years, a RIA Tactical 1911 (~$500 when I bought it) and my other main carry is a Dan Wesson Guardian (~$1400). Again, on the range, against a clock, the DW is faster on target, and easier to shoot accurately, quickly. It has the added benefit of the bobtail being easier to conceal.
It's not just carry guns. Look at any IDPA open competition. Those aren't stock Glocks and M&P's. they probably cost well into the 4 figure modified like that. What do they do better then a $500 stock gun? They shoot accurately, faster.
It seems simple to say, but people get really emotionally invested in their choices. In general, more expensive stuff is better. If it wasn't people wouldn't pay for it.
Which is not to say a $500 gun isn't adequate. (or a $100 gun for that matter). As I said I carried $300-$500 guns for years, and am still here. Most LEO duty guns are in that range. The law of diminishing returns also seems to be in full effect with firearms. Is a $2500 1911 as much better than a $1500 one as that $1500 one is better than a $500 1911? Probably not, but it is better.
So the key, as in everything in life, is to balance the cost of the gun, vs. your budget and buy the best weapon you can afford on your self defense budget. And just as obviously that level changes from person to person based on income, other obligations, and even perceived threat.
Are there better weapons out there then mine for concealed carry? Sure, but I can't afford them. Were my cheaper ones adequate when I used them? Clearly, and if my circumstances changed I'd go back to them with no real worry. But my current guns are definitely better, and I'm glad I have them.