I assume you are looking for a concealed carry weapon.
All of the calibers you have chosen are marginal at best.
I have the Kel-Tec P3AT. The sights are primitive and it is, for practical purposes, an "across the retail counter" gun. Although it is possible to get very good with it. Another chap from your neck of the woods, Flyer by name, can knock a fly off the wall at 5 light years distance with his P3AT!! But, it takes a LOT of practice!!
The recoil is also a bit stout!!!!
The gun is generally very reliable and Kel-Tec's service is top notch.
It would be a good choice as a BUG to another primary CCW weapon. In fact, that is it's designed function!!
Now, having dispensed with the Kel-Tec question, let's return to the caliber problem.
The .32 H&R mag was designed to give a rather anemic round, the .32 S&W, more oomph. It almost succeeds. However, I would recommend the .38spl +P as a better choice. .38spl ammo is available everywhere, even Wallyworld...and cheap too!! The smaller caliber round is going to be a gun shop only item at gun shop prices!!
I would suggest the S&W M37 or M442.
If price is a consideration, then I would give a hard look at the Taurus M85.
They make a whole slug of different versions and it has been on the market for enough time to have worked out the bugs!!
In fact, I'm looking at getting the M85MULTI, which is an aluminum framed version with titanium cylinder and barrel sleeve that weighs 13.5 oz!!
I do hope this little hastily compiled dissertation is of some use.