Probably the only gun more cussed and discussed on the interent than a Hi-Point is a Kel-Tec. I can only relate my experiece with mine.
It works.
I've put about 600 or so rounds through mine. It failed to eject a couple of times, early on, but since then it just goes bang, bang, bang. It's not a target gun at all, but it's accurate enough for what it's made for. The long DAO trigger pull and the short sight radius work against it, but it's better than "paper plate" accurate at 7 yards which is good enough for me. Others shoot them much better than I do. I have used several brands of FMJ ammo, and a couple of different brands of HP's, and they all work.
The trigger gets better with use, as most triggers do. I also added a trigger shoe, and a "Whites Trigger Stop" to mine which help a lot. You can find instructions on how to make the Whites Trigger Stop on KTOG.org which is a good source of information about these guns. Adding a "pinky extension" to the magazine also helps with control. Being a small, light pistol, they have a bit of "kick" to them, about like a snubbie 38 revolver.
I understand that Kel-Tec has great customer service, but I can't say for sure. I've never had to send mine back for anything. I did call them to order the trigger shoe, magazine extension, and an extra magazine and they sent me what I asked for.
I like mine. I carry it every day.