First of all, we can't use handguns for "personal protection" - dumb, I know, as they serve that purpose extremely well, but that's another story for another time.
Here's my suggestion, and why:
Polymer:
Ruger SR9 - cheap (under $500), accurate, reliable, ergonomic, and shoots well
Glock 17 (3rd gen) - I have nothing against 4th gen Glocks, but when given the opportunity to choose, I'd take the gen 3 Glocks anytime. Proven reliability, accurate, shoots well, LOTS of aftermarket support, and just works!
Steel:
IWI Jericho 941 - best factory trigger I've shot. Smooth as butter, shoots well, and cheap ($600). Excellent value
CZ 75B - similar design to the Jericho, accurate, very nice and ergonomic grips