I don't see the SD9VE (SD for "self-defense", VE for "value edition") as a really good concealed carry gun
or as a gun that its owner can't really trust.

I believe S&W's target market is mainly home and personal defense, and for that it is adequate if it's all you can afford.
I've always understood "truck gun" to mean an inexpensive, easily replaceable gun that you wouldn't really mind terribly if it got a little banged-up, dirty or even stolen (
like stolen out of your truck). I don't recall anything about a "truck gun" having to be unreliable or untrustable.

That doesn't make sense to me.
For me, the SD9VE is a cheap, no-nonsense, easy-to-use, readily deployable
without going broke home protection piece. No more, no less.