OK--we can both agree that the SERPA is not a HSLD holster. Absolutely. For your goals and with your particular pistol there really are much better options. They do cost more--maybe twice the money--but it is worth it to you, and I'd say you've made a wise decision. (So OK--we are still on the same page).
For a lot of people (in the real world as I know it) having 50 rounds a month of startle-reflex/pivot/engage threat/break trigger is all that they're really able to make happen or to afford, AND (hang with me here) I'd argue that they are way, way ahead of the Mr. Clueless who only THINKS he knows how to use a pistol in self defense (Hey, how tough could it be? Durr-Hurr/jumpcut to a sucking chest wound/bleeding out). AND actually buying and owning a decent adequate $45 holster ($30 used) to practice drawing/shooting from is (in my opinion) FAR more preferable to NOT buying/NOT owning an exhileratingly superb $100 holster to draw from--and therefore NOT ever even start training to defend themselves). Yes?
So, that is where I am coming from. The SERPA isn't the best holster out there, yes, agreed--but it is WAY better than the $100 holster that you Mr. Average Gun Ownder does not own or train with.
If you own a SERPA you must train, train, train--and absolutely be aware of where your finger indexes as you draw.
So that's how I see it. As always, YMMV.