Moooose102:
There are a lot of folks here, such as myself, who have an assortment of pistols. Most of us are willing to meet other THR members and allow them to have a blast-fest with their pistols to see which they like most. I personally have met up with more people than I can count on 4 hands, just to let see try an assortment of pistols without having to drop $200.00 into rental fees. Just my .02c.
The Kel-Tec is a great pistol, but I would buy only the hard chromed verision...as I did. As you well know, summer CCW presents some difficult problems. Sweat, light clothing, and worst of all compelling us to carry a pistol that turns out either too small or under-powered. The additional complication that you are presenting is to locate a firearm in the $200 to $300 range that merits entrusting your life and your family's lives to.
Here is where I switch to frank-mode and assert the following opinion: go with a larger pistol, more powerful caliber and less concealment. I also wopuld hold off until you can hit the $500 and invest in a lifetime commitment. If you haven't conisdered the SA XDs in 9mm or the Glock 19, or Glock 26, you should do so. For me, the G26 is just a bit too small. I don't have bear paws for hands, but I'm not "petite"
either. The samllest I can really grab-hold-of is the G19. Edit to add, Re: the Tel-Tec, when I hold it, I end up retaining the grip with literally 1 and 1/3 fingers. In effect, only one finger is truly retaining the beast. I say beast because it does present a significant snap during recoil. There is such a thing as too little pistol.
In terms of the diminuative pistols, I have owned Glocks, Springfield XDs, Kel-Tecs, Walthers, NAAs, Rugers, and the list goes on. It's hard to beat a Walther, Springfield XD or Glock 19. Of those, I would stick with 9mm, ergo bye-bye Walther. It leaves you with Glock 19 and Springfield XD sub-compact. Pick your poisen. They both can put the hurt on crime.
Be safe and make an informed decision. If you get into the Oakland county area, I'd be proud to meet up and let you try my collection and see what works for you. You buy the ammo, I provide the pistols for the day.
Doc2005