I know exactly what your talking about once in a while I'll go to the range and shoot my Hi Point 9mm (C9) instead of my S&W 40cal Sigma. I've always felt you need to practice with all your guns in case you can only get to a certain one.
While I'm shooting some guys will say why are you shooting that piece of junk? Makes me laugh lol I tell them because its a great firearm, its by far more accurate then my Sigma why I'm not really sure someone might be able to answer that question for me because I can't figure that one out.
Like you said some people can't afford to go buy a 400+ firearm, and have to get what they can afford. Everyone has a right to defend themselves, family, friends and home.