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Well kind of depends, what kind of handgun experience do you have? If you are unfamiliar with handguns, and this is really your first introduction to handguns, and as you say you want to use it for a CHL (I would hope if you ARE carrying it concealed) I would recommend a .38 special or .357 in a shorter barrel. I feel the simplicity of a revolver is best for beginners. If you have a fair amount of experience with semiautomatic pistols then I would recommend something along the lines of a glock or a xd. Of course the M9 and and 1911 are timeless classics and ANYONE could recommend one of them.
While you are looking around, check out the Bersa 380 CC for concealed carry. Nice gun, about $300. They are reliable (mine certainly is), no nonsense and every one rates them well. The CC model is all metal, but some models of the Bersa have plastic frames. They are DA/SA and operate just like my S&W 4006. I like all my actions to operate just the same. Bersa Good luck.
$400 is not really enough unless you are *JUST* buying a handgun and nothing else. If you want to concealed carry you'll need a nice gun belt ($40-80) and kydex or leather holster molded to your gun ($60-80). Don't forget ammo costs either, typical modern defensive JHPs can cost up to $1/round. Buying enough to fill your magazine is not enough, you really need to shoot at least 150 rounds through your gun to make sure they feed reliably.
Personally, I recommend getting a .22lr handgun for now so you can practice a bubblegumload for cheap. Browning Buckmark is great and easy to clean. When it comes time to buy a defensive handgun, go to a range and rent a few different things to see what type of gun you like. I recommend the following categories:
1911, maybe rent a Colt
wonder 9, try a sig p226 to get the feel for this category
striker fired, glock is kind of the standard here
.380 pocket/subcompact guns, walther ppk
and revolver, s&w j frame .38sp
If you've already shot a lot of different handguns and have a good idea of what kind of gun you want, then maybe you can skip this step. Once you figure out what sort of gun you'd like to shoot and carry, then go to a gun store and pick up a few in that category and see which one fits your hand best, what weight and size you think you could carry comfortably, try out the trigger to see if you hate it or not, etc. For example if you liked shooting a wonder 9, pick up a few different ones like CZ-75, Beretta 92fs, maybe some of the compact versions, or if you liked the striker fired try different sizes of glocks, m&ps, XDs, and so on. If you have friends that own these guns, see if you can give them a go at the range.
Handguns are a very personal weapon and you really want to get something that fits YOU best. They aren't like rifles where one-size-fits-all (more or less).