Drill question

save your money and get a Hilti and never worry about it again :)
A hammer function on a cordless drill will knacker it quicker. Handy to have, but use it sparingly and get a corded sds or similiar for masonry stuff....

....or a budget conscious +1 to the above links

Agreed but it sounds like the OP is unlikley to use it like trade so it'll have an easyish life.