Jim:
On the question of the 40 cal Beretta, I can recommend the multiple trade in 40 S&W Glocks that are out there. CDNN [1] and AIM Surplus [2] are now stocking police trade-in Glock 22s and 23s at reasonable prices and they throw in high cap magazines.
BTW, I mostly carry a Glock 26 or 17, because I know what a good 9mm round can do. Load it with the Ranger 127 grain hollow points and you have nearly the power of a .357 SIG, but without the problems. – L.K.