Howdy,
I now own a P32 again. I decided to take the plunge and buy one even though my past experiences with Kel-Tec were quite bad.
So, the one I have now has so far been completely reliable, and accurate enough that when I qualified with it on the standard department qualification course (shooting at 5, 7, 15, and 25 yards) I managed to shoot a 100% with it.
I have only shot PMC FMJ ammunition in it, so that is what I carry. I'm not a big fan of JHP in .32ACP anyway, so I was planning on carrying FMJ. Since PMC was what they had when I bought the gun, and it is 100% in my P32 that is what I use.
However, I do not carry my P32 as a primary weapon. I'm just not comfortable with that. I carry it on-duty as a backup and last night I walked down the block to get a pizza. It would have been a lot easier to drop the P32 into my pocket and walk down there, but instead I dropped the P32 in my pocket and then put on a covering garment and my holstered USP45 Compact and spare magazine.
The P32 is a great little gun, but on the off chance that I get into a gun fight, I don't want just a P32.