I don't think I made my initial point clear. All of the guns on the initial list can be had for $370 - $400 out the door. I have found the guns either locally or on the net for prices that are in that range for the complete transaction. (Some of the guns are actually as low as $340 out the door. and the Kel Tecs can be had for $300 out the door.)
With prices in my area a Springfield XD is $460 plus tax. About $500 out the door. With internet pricing and transfer I can save about $50. (Just an example.) Witht the Ruger SR9c I'm looking at $428 out the door (with transfer) if I mail Bud's a money order and wait. Not a lot more, but for $8 more I get the CZ from Jet Guns with no waiting.
Surplus is an option for most people. I made this thread about NIB guns for a simple reason. Since a number of new shooters come here asking, "what is the best gun under $400," I kept it strictly NIB. I just feel a newer buyer is better sticking with NIB untill they learn how to inspect a surplus weapon properly.
This thread is about more than my needs though. So, keep putting up any and all info you feel is relevant. If you want to say, "model x is great for home use but I carry model y as my EDC because. . ." feel free. If you just want to say, "model z has a 1.5" grip width and may be hard for shooters with small hands to operate," that is fine as well.
Part of the purpose of this thread is to build a fountain of knowledge for all shooters. So, detail is welcome. There are somethings that the Manufacturer and Wiki won't tell you.
I will be adding the Kel Tec guns to the list.