Only 2 comments from me.
1) I don't have my CCW, but out in "the bush" I carry a FN P9.
2) I think you guys mean "Kel-tec", not "Kal-tec", and from personal experience, I would STAY AWAY from cheap and weird guns in general. Its only $200 for a reason. Maybe Kel-Tec has improved since their Grendel days, but I have owned a few Grendel/Kel-tec guns and NEVER have I owned bigger pieces (no pun intended) of jamming junk. Learning from the experiences I have had with weird "off brand" guns in general, I know one thing: I will stick to the bigger, well known, tried and true names. When it comes to firearms, safety is paramount. Reliability is #2. If the gun jams more than it fires, or if it is finicky with ammo, I don't want anything to do with it. My gun needs to shoot cheap Russian surplus the same as it does high dollar match ammo, or I don't want it. And when you're talking concealed carry, why on earth would you want a cheap gun that is prone to jamming/misfiring?
Bart