My experience with Kel-Tec's is that they are a crap shoot or is that a piece of crap that won't shoot IDK.
I don't like the idea of the trigger guard not being covered period, that is me and my .02. I know guys that love the belt clips and the Kel-Tec.
I would find someone I really didn't like and sell it to him and buy a better gun or better yet trade it in on a better gun. You want a .45 go for it if you can figure out how to carry it first, just remember, what works for one gun may not work for another, just like people like different guns and holsters, guns seem to carry differently from make and size changes.