I have a FNP45 tactical in FDE and a regular USG model in black. I also have 2 USG 9's. The FNP in the USG configuration is one of my favorite pistols. I love 1911's and have carried Glocks for 20+ years so it's like the 2 got together and had a baby, best of both worlds. I keep one of the 9's setup with the slim grips and it's my son's favorite pistol to shoot and one of my wife's favorites. I personally hate the decock only model, the trigger is pretty rough on the 2 or 3 I've shot. I've got a Trijicon RMR on my tactical and mine came from the factory with the raised sights.
If you really think you want to add a red dot at some point pay for the tactical, I've seen some recently on gunbroker for around $850. The slide modifications would cost you around $250 and the 2 extra mags (my tactical came with 5 where the standard came with 3) and case are worth another $100+ so your getting your money's worth for the difference. If you don't think you want to add a red dot or a can, or both the regular USG is a great deal. I've got mine as my nightstand gun with a Itac Laser/Tac Light combo on it. I've never carried that particular pistol but still appreciate the cocked and locked ability since I train with that configuration or a striker fired pistol only. If you think the decock version would suit your needs that would be your call but for a little extra I'd rather have both safety andg decock. Either way FNH makes a great product. I own or have owned Glocks, XDm's, HK USP's and many other 45's and feel like the FNP 45 is as good or better than any of them. I think it's the most under-rated gun on the market. I know Michael Bane is a big fan of them as well. There have been a couple other FNP threads on here in the past if you search the archives.