So I am going to be including a Hi-Point Carbine on my Christmas list... It was that or a Mossberg 500. I have two other 40 S&W pistols so I was thinking of going with the 40 but the price point of 9mm ammo is nice. What are the suggestions from the group. Should I stick with the 40 S&W or would the 9mm be better due to ammo prices or do I just need to go for the 45?