Ferguson: as a law abiding citizen in NJ I have i have to first get a NJ Firearms Identification Card, which involves a background check, finger printing, and near $70 in costs. The NJFID allows me to buy long guns and ammunition. To get a pistol I need a Postol Purchase Permit. This involves another application, background check and $20 for the first permit and $2 each additional permit. The permits take 3-30 weeks depending on municipality; mine is good at 4-6 weeks. 1 permit is good for 1 pistol. The permits last 90 days, with the opportunity to renew them once. NJ has a "One Gun a Month" law which means I have to wait 33 days between purchases. (Only in NJ does a month last 33 days). With the PPP and FID I can do face to face purchases without an FFL, with NJ residents only. When buying a gun at an FFL I still need to pass a NICS check - $17 out of pocket.
That is the NJ rundown. And yes, I was looking at te P95 because of the 15 round Mags and because I Love Ruger guns.