I made the same decision a couple of years ago and got the Keltec "A" model. If I had to do it over again today I'd get a "CA" model. There are people that love their Rugers, but for me they were less accurate, heavier, and took Ruger only mags. I only tried two Rugers before I bought, that's a small sample but consistent with what others say regarding accuracy, > 2.5".
I was happy with my Keltec even when it was only a 2.5" gun at 100 yards, but a few weeks ago I tried some 52 gr. Moly Black Hills ammo and they turned it into a <1.5" gun, best group so far 1.2", worst 1.8".
But the two main points for me were the light weight and standard AR mags. I have had zero failures with mine, no FTF's, no FTE's in probably 1000 rounds or so. I regularly shoot the cheap Winchester and Remington ammo through it, but mostly now it's Black Hills, I don't know how it would do with the really cheap ammo.