New P95 with out rails . . . should I buy it or not?

NIB, or Old & Not In Box, I would get it. At $300 or so, you will never beat the price.
I would get it and then I would get 15 round mags, but I am easy to please.
The gun would serve as a go-to weapon for me & I get them with one intent, self-defense.
THEN start to save for yer Springfield. It is nowhere written that you have to settle for one or the other.

Haha trust me I have an addiction....but my wallet will not keep up.