I'll throw in my pennies...
I carry a ppk pretty much everywhere I go, I have a don hume open top OWB and it conceals under a t-shirt all day long, no problems. I would like to have more power and am currently looking at other options, but even if I go bigger, it will still be the go to summer gun. Mine *knock on wood* has been 100% since the day I got it, and like others have said, is very accurate.
I also own a 3913, but currently don't carry it because it is my wife's, it is the ladysmith version, and I don't have a holster for it. BUT, it is a great shooter, and I'm sure it would hide away just fine.
Like has been pointed out already, I think the CS9 is the gun for you, I wouldn't mind one either.