I researched the snot out of the KelTec, Smith and Ruger. I went with the Ruger. Got the one with the magpul Backpacker stock. I did NOT want this gun with anything buy open sights and the RUger OTB fit the bill.
The Keltec was exactly why I expected it to be. I did like it but what put it out of the runnning was the issue of lining up the sights. I had to use an incredibly hard cheek weld to line up the sights to the point of being uncomfortable. Problem could not be solved. Kel Tec out.
As far as the Smith, it was CLOSE between it and the Ruger. for the Smoth to meet my standards, I would have to getn an extension picatinny rail so I could mount the rear sight close enough to be useable and would have to mount another rail for the front sight. The rails and sights would have added an additional $125. But I really liked the pistol grip of the Smoth as well as the magazine interchangeability with my M&P.
I bought the RUger because I had $800 burning a hole in my pocket that I won at a poker game, otherwist I would still be dithering about what to buy. I still like the Smith with the modifications set forth above, and hell, If I win again I just might pull the trigger on the Smith.
As it is now, the Ruger is a remarkable stout little gin and the sights work for me.