I've got a P11, its a snappy thing, but it shoots straight, and doesn't have any issues since I gave it a fluff and buff. KTOG.Org - Kel-Tec Owners Group Keltec owners group is a great source of info.
Kel-Tec saves you money by letting you do some of the finishing.
steer clear of the PF-9. bad kick, very inaccurate. bought mine new, sold it a month later for 150$ took a hit but i wanted it gone.
I have owned more than one keltec. In my opinion I would never carry one. I do not feel that they are a reliable handgun, and that is exactly what you need to look for in a carry weapon. I would stick to glock, sig, h&k, s&w, ruger, or colt. And dont buy some hopped up hair trigger piece of crap either. Buy something simple.