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I think a collector on a budget should base their acquisitions on what interests them, instead of chasing what's popular for other people to collect. Following the herd only drives up prices. It would be a shame for someone with limited means to sink a lot of money into collectible Peacemakers or Garands if neither kind of firearm ignites a spark in their soul. On the other hand, if they always loved Peacemakers, a collection of one could mean more to them than a dozen other guns.

If the question is really working guns, the Glock 19 is a good One Gun if concealed carry is important to them. For many people on this forum, that's probably a good bet. On the other hand, a decent .22 rifle or .357 revolver might be a better One Gun for some circumstances.