I didn't pay shipping when they sent me the screws that I lost. The owner of the store I purchased mine at split a stock by over tightening (which is why I lost screws, I was afraid of doing the same and under tightened) and the sent him a new stock with out him paying shipping. Another guy at the store had a squib and blew out the side of the barrel, he paid shipping one way. Note that none of these were Hi-point's fault, yet they fixed each one promptly and courteously.
If you ship your rifle back to them, they send it back with a spare magazine, spare sling, and a note of apology. That sort of takes the sting out of paying to ship it, in my opinion. I also know of no one who's shipped one back for a fault from Hi-point, but I don't know that many people.
I own two Hi-points, the carbine and a 9mm pistol. I bought the pistol for my wife, because she was afraid of guns but wanted to learn to shoot. The hi point is extremely simple, with just a trigger, safety, and magazine release (no external hammer). Its also heavy and sucks up the recoil of the 9mm very well. That and the fact that it was right at $80 brand new means its a great starter gun for someone who may or may not enjoy shooting and need or want a more expensive pistol. Its been perfectly reliable, but is still a cheap gun. The trigger is stiff and sand-papery. The accuracy is surprisingly good, though. With a better trigger and a bigger safety lever, it would actually make a pretty good pistol.
The carbine is great, depending on what you want it for. I wanted a short range plinker and home defense gun, and its perfect for that. With 9mm available for under $6 a box with brass cases, its hard to argue with the economy of it. With the laser and a 40mm Tasco floating red dot scope, target acquisition and accuracy is really good at short ranges. I've never shot it over 50m, but would guess it'd be ok out to 80-100m. I think the whole set up, carbine, laser, muzzle brake, sling, 2 magazines, and the scope (used) came in at about $280 or so. I only have two complaints about it 1) lack of hi-cap mags and 2) you can't use the recoil pad and the sling at the same time. The recoil pad isn't really for recoil, which is obviously pretty light, but it does hold two spare mags. With the sling, you can leave your right hand on the pistol handle the entire time, with the left hand loading, racking the slide, and pressing the switch for the laser.
No, I don't own stock or anything.