Buy a gently used pistol.
A gun doesn't have to be new, to be completely reliable.
Good used guns give you the most, um, bang for the buck.
BTW: What's a "semi pistol"?
Do you mean, perhaps, half of a pistol?
If so, which half?
According to comments read on this forum, Hi-Point pistols are made of pot metal, are buck-tooth-ugly, and weigh too much, but they seem to always work.
I wouldn't carry one, because of the bulk-and-size issue, but if that's all I could afford, I'd buy one for keeping at home.