KelTecs sometimes work fine out of the box but some will require a "fluff and buff" job. Ruger LCPs have generally gotten good reviews but there have been reports of a few problems. I've decided to wait a while before getting one to make sure the bugs are eliminated. The NAA Guardian has a good reputation.
You may not be a revolver guy but the SW J-frames would make an excellent back-up. Very reliable and easy to use. If you buy new, I would look at the 638 or the 640 .38 spl. The 638 has a shrouded hammer and the 640 has an internal hammer, both designed to avoid getting tangled in clothing. Both are lightweight. A .38 spl +P will kick some, but you could carry standard pressure .38 spl loads.
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