Sure you're never going to think about carrying it? I mean you never know. Most of us aren't filthy rich, and $400 could buy half a set of new tires or something useful.....even gasoline to get us to the range. $400 isn't going to be exactly low end impossible to find, lots of options. The spend may also depend on what caliber you want and think about ammo expenses nowadays with that in mind. Besides what has already been mentioned, a Ruger P series pistol might be close to your spending limit in brand new condition. You'll need to find what fits you best and shoots well for you, otherwise you'll be back here looking for advice on selling. Nice thing about forums...most have a member buy/sell/trade section along with alot of good advice, and most like to keep a good reputation among their fellow members. Take a look into some certified pre-owned pistols as well. Personally, I don't have any HD/plinking pistols, and nothing I don't carry. A plinking pistol in my book would be a S&W 22A and more cost effective on ammo. Think about add-ons for your HD choice as well......mine have night sights for obvious reasons, and also attach a flashlight most of the time. I'm not saying your criteria of plinker/HD is frivilous, just some deep thought required on your part. Now if you mean to say "plinking"= practice, then good for you!
Looking for home defense and to shoot at the range recreationally