I have one. It is my car gun backup and unarmed passenger loaner. <grin> It is ugly, clunky, heavy and the recoil is nasty. I wouldn't carry it myself unless I had no other choice, but it would do the job.
It also eats anything and I've never had a malfunction or cartridge problem with it. It is tough and will take an incredible amount of abuse and keep shooting. A friend of mine and his two sons carry one all the time - and have for years.
The guarantee is unbeatable too. I actually talked to the company president when I called! It is difficult to take down for cleaning, and he told me to brush/mop the bore and clean the action, but otherwise it didn't need cleaning. He said if it ever got so gunked up it wouldn't function right, to send it to him and he'd clean it/ fix it/ or replace it.
So don't wait until you can afford a "better" gun. Get the high-point and start carrying. If you can replace it later with a nicer one, more the better. Then you'll have a car gun too.
Good enough for me.