Personally, I have seen the hi-points in my local gun shop, but never fired one. I know people who have and their opinions are as varied as the ones on here. I guess what it really boils down to is what you want the gun for and what can you honestly afford. I own a couple of Taurus, which are in the $400 to $600 range and considered a POS by some. I have found them to be as accurate as any other gun I have tried so far.
Utimately, you have to decide what your budget will allow as you have to consider accessories such as cleaning kits and ammo when you figure your budget. Also, don't forget range fees. If you have done your research and are satisfied with the results of that research, then as has been said before, buy what you can afford and who cares what others think. In a way, we are all our own reviewers. I would guess that there is not one gun manufacturer that hasn't had some complaints and bad things written about them.