There is a lot of discussion about this on the Kel-Tec Owners Group forum. You probably want to read up on it, but I can give my .02 as an owner/carrier of a PF-9:
My gun was not 100% out of the box, in fact it was pretty bad - snet back to have bbl and slide replaced immediately. Turnaround was about 2 weeks and that was with the Thanksgiving week. Once I got the gun back I did a lot of "customizing" to it by tearing it apart, polishing all sliding surfaces, contact parts, skimming plastic mold lines, etc. In the end, I feel like I have a solid gun. When I am at the range I shoot 150-200rds every couple weeks and it performs without fail - I pull the trigger and empty the mag. It IS very important to keep this little piece well lubricated and clean however. If it starts to get dry you are gonna need to lube it. It prefers grease on the slide as opposed to liquid oil.
The reason I like it now is that it's small and thin, fits my hand pretty good and has a 7+1 capacity of 9mm Hydra-Shok - much better than a .32 or .380 in the same size form factor. As for it's competition, the Glock 26 is pretty thick (ultra-reliable, but big size difference), the Rohrbaugh is amazing but 5x the price! I think there may be a Kahr in comparable size/caliber, but I cannot in good faith give money to the Reverend Sun Myung Moon (Kahr is controlled by his son and profits trickle back to the church).
So that's it - I heard you when you said you didnt want a gun you had to fiddle with. Based on that, Kel-Tec might not be for you.
Hope that's helpful.