I have a like-new Keltec pf9 with aftermarket laser and a carrying belt clip. i will sell the package for $275 plus freight. I have only fired it about 70 times and I have decided to carry a wheelgun instead.
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I have the same gun and love it. I carry EVERYWHERE, the clip makes it so concealable. Totally concealable is really important. The perp has to think you are not a threat.
9mm is not a lot of stopping power. I conceal carry hollow point and a hot load to help a little. If you get into a real firefight with a pistol you brought the wrong weapon, you need a long gun.
My Keltec only gives me 8 rounds. I practice every 2 weeks so I will hit my target and I will hurt it. I will hopefully have the advantage of surprise over my target. I think most assailants don't want a fight, they want to hold you up and get out. They likely don't practice every two weeks and are already nervous and shaking when they start.
I hope I never have to kill somebody but if I shoot that is likely what I will be doing, two in the center of mass and one in the head. Its the way I practice and you do what you practice. Hollow points are very painful, if I get my shots off first the fight will likely be over. The perps buddies will have left him when they heard the first shot, for all they know its a cop.
A laser sight is fun, but mostly useless and it will give you away before you pull the trigger. Some perp might load up his drawers if he sees the laser on him but I wouldn't count on it.
Whatever gun you get it is useless if you don't carry all the time. Most people who get larger guns do not carry all the time because it is a hassle. Carrying a smaller gun is practically unnoticeable to you. Because if there is no pain in carrying you will then carry. Even a 22 is better than a 45 if the 45 is at home and your not.
There may be better quality guns than the PF9 but after a couple thousand rounds through it it still shoots well. It is hard to find a smaller 9mm than the Keltec, all in all I'd say its a good gun to own.
My wife's Ruger LCR 38 is not bad either, I would certainly not like to get hit with it. She is a dead eye so her five rounds are ok for her, I rather like having my 8.