I carry a NAA Guardian in .32ACP and like it pretty well. I think it is an excellent balance between reliability, concealability, power, and ammo availability. NAA is also an excellent company with great customer service.
I have heard good things about the quality of the Seecamp - it's a little smaller, uses a base magazine release, and I'm under the impression that it is not designed to be used with FMJ ammo. Given the choice I would choose the NAA Guardian or the LWS Seecamp over the Kel-Tec.
IMHO the smaller a semi-auto gets, it becomes more difficult to make it ultra-reliable. If your finger is placed along the slide - any pocket semi-auto may jam due to reduced mass and cartridge energy. The parts are often not as substantial as a full size semi-auto. My Guardian has had the drawbar spring break due to dry-firing too much (the spring that re-sets the trigger). NAA replaced it for free, but I quit dry-firing as much and plan to replace some of the springs on a regular basis.
The 32NAA and 25NAA cartridges seem to be very powerfull (for the size) and reliable (due to bottleneck design). For me, the cost is not worth it - practice ammo is not very common or cheap and bottleneck cartridges are more difficult to reload. I like the .32ACP the best due to the smaller size.
However, as much as I like the compromise of my NAA Guardian, if ultimate reliability is your main concern - you might want to consider a DA revoler.
NAA website with forums:
www.naaminis.com