If you "truly" carry on a daily basis, it will rust even if you keep it lubed, and blued. I carry every day all day, and if your pistol touches your skin, it will rust. Lots of salt in sweat. Mine is blued, and still rusts. I do maintain on a regular basis, so it gets cleaned and oiled every few days. Mine also picks up lots of lint and debris.
Enjoy your Keltec. It's a nice weapon for carry and shooting.