I once owned a Kel-Tec p-11 with the carry clip on the side (built-in holster!).... I sold it to justify purchasing a CZ P-01 and now greatly regret it. (Don't regret buying the CZ, just selling the p11.)
The Kel-Tec is a fantastic shorter-range "gut gun" that absolutely vanishes while being carried, which is the thing I miss most about it. If you get one, grab the carry clip. It's only twelve bucks and eliminates any added bulk from a holster, but does not interfere with the use of one if you prefer it.
Also, it employs the use of S&W magazines which means extra mags are cheap and plentiful. That's a smart move that Kel-Tec has made in most of their 9mm and up guns; almost all of the handgun caliber weapons they sell use S&W, Glock, or even Sig magazines, while their rifles use AR-15 and FN-FAL mags. I have a feeling that this is because they hope to capture some of the law enforcement market for backup gun/trunk gun sales. Very smart.
That also means that if you get the p-11, you could also get a Sub-2000 folding carbine (great, fun gun) and share magazines between the two! Just make sure you get the S&W version, if you do that.
That said, I presently also own a Bersa Thunder .380 that is
also very easy to carry, and easier to shoot comfortably than the p11 (due to smaller bullets and single action capability). But it's a single-stack weapon that only holds 7+1 rounds of .380 acp - the CZ-83, *another* gun I have seller's remorse for, has 12(+1)-round .380 acp magazines available and it's only a tiny bit larger - in width, due to the double-stacked magazine. And it was by far the easiest handgun to fire accurately that I've owned, to boot.
Choices, choices! I've probably just murkied the waters for you even more.