KT Accuracy
KT's are pure self defense guns meant for close range work with acceptable accuracy. They are not bullseye guns for ranges beyond 8-10 yards. Any gun with a 3" barrel and only slightly longer sight radius will have accuracy limitations, and when you add the safe DAO trigger to the equation, some shooters do find the gun hard to shoot accurately initially.
KT's are sufficiently accurate for self defense. Despite the short barrel and relatively long trigger pull--which is not much different than most double action pulls on revolvers--when shot from a good rest at about seven yards, with a good sight picture and proper trigger control, all of them I have shot (about a dozen) group within two inches and very close to point of aim.
Do not shoot the heavier weight bullets like 147 grn in a lightweight pistol. Shoot 115's to break it in and for practice, and maybe 124's for carry. Grease the slide rails and slide/hammer interface (not oil which gets slung off).
Try dry firing with no ammo in the same room as the gun. You will find that you are squeezing your whole hand, not just pulling the trigger, and jerking the gun off target. Try doing this without the gun in your hand to see what I mean. Put a coin on top of the gun and pull the trigger. The gun will jump and the coin will fall off.
The overtravel of the trigger after it releases may be causing additional torque in your hand, which pulls the gun off target. That is why many who own these guns install a trigger "stop" behind the trigger. This will improve accuracy.
Widening the trigger with the trigger shoe accessory from KT also improves your control of the trigger. Do not anticipate recoil by jerking the gun downward. Use a firm grip.
Remembering that the sight radius is short requires that you concentrate on getting a good sight picture and holding it steady. Being a self defense gun, the front sight *covers* the intended point of impact rather than being under it as in a target sight picture.
The trigger pull can be lightened from its very acceptable 8.5 lbs to about 7 lbs fairly easily, and the length of pull can be shortened a little also, if you want to go that far for accuracy. I have done so with great results. Search the web sights below for further information.
However, people who complain about KT triggers have usually not spent a lot of time shooting DA revolvers or even the DA/SA pistols now on the market. The DA pulls on most of these guns are much worse than a that of a P-11.
The gun is designed for concealed carry, so it is small, light, yet powerful and with high capacity. There are always trade offs and compromises. Not having a safety requires a long trigger pull from the factory, but it makes it simpler and easier--and quicker to shoot in an emergency (no fumbling with a safety).
The Kel-Tec P-11 is not for everyone. If you are committed to concealed carry all the time everyday, it is a great gun and you can shoot it accurately. I recently shot an IDPA competition with my P-11 and scored fewer "points down" (penalties for innaccuracy) than all but four other shooters out of 36. The ones who beat me were shooting larger guns with single action triggers.
In summary:
Shoot from a rest at reasonable ranges to establish the accuracy of the gun, not the shooter.
Practice trigger control with dry firing.
Shoot at reasonable ranges, including point shooting at 3-5 feet to see how the gun would handle a real-life emergency.
Add some accessories and/or modifications to really tune it up.
CB3
http://www.ktog.org/tecwerks.htm
http://www.ktog.org/vbulletin/ (Do some searches on your questions)
http://www.kel-tec.com/prod01.htm (order accessories)