Mat, it seems like you may be the one unlucky guy who gets struck by lighting twice and then victim of a shark attack. I've heard of people have problems here and there with Rugers, but they are VERY few and far between.
It's not really bad luck. It's not really bad production on Ruger's part either. (except for the sights and grip on the bisleys. They really should make an effort to have fixed sight guns send their bullets in the same general direction as the sights, but that's a fairly common issue with lots of guns.) What it is, is that my Rugers are CAS guns. They get shot a LOT. They get dryfired even more. They get run hard, run fast, and often enough put away wet. I'm not saying Rugers suck. The fact that I've got so many of them ought to say something in that regard. I'm just saying that they're not paragons of perfection, that it's not like anything with the Magical Ruger Name will never, ever break.
If it's a mechanical device, it will break. 1911, Glock, HK, Sig, Ruger, Colt, whatever uber-brand it may happen to be, if shot enough, it will break.
In point of fact, as CAS guns go, Ruger
is the only one that won't self destruct without an action job. Even high dollar Colts will. With proper action work, though, the foulup rate becomes about equal. I've had about the same number of breakages from slicked up Colt clones as from slicked up Rugers.
Although CAS SA revolvers is a bit OT for a discussion of pocket pistols.
Anyhow, Kel-Tecs break. Ok, sure. They're guns. With proper fluffin', buffin', and maintainence, they're fine. The Ruger will likely be similar. The only guarantee I can make about it is what it won't be. Perfect.