Owned one, and hated it. Not because of it's accuracy (or lack of I should say), low mag capacity, poor erogonomics, or shitty finish. It's because of it's AWFUL trigger. Have you shot one? Have you felt how God awful it's heavy ass DA trigger is? Granted it's easy to carry at it's size, and I have many a times. But I never will again.
Keltecs are often referred to as 50/50 guns. 50% of the time you get a good one. 50% of the time you don't. If my life ever depends on it, I don't want the chance like that. Even though my FTE and FTF were few and far between with the one I had, it still wasn't reliable enough for carry.
Get a Glock 26 or a Springfield XD sub compact. You can back the glock up with an extra 17 round or 33 round mag, and the XD up with a 16 round mag. Both are easy to conceal IWB, and I've even pocket carried both with a 10 round mag.
I'll glady give up a small amount of size for quality, repeatability, and performance.
/GONG/