Dusty,
We share the same opinion of the 25 ACP. It is a good round to carry if you cannot carry a gun. It beats throwing rocks unless you are reall good at rock throwing and have some available.
Respectfully, it is "unconscionable" to lump the 32 ACP and the 25 ACP into the same category. Although the 25 and the 32 come in similar size guns, in real life shootings, the 32 Silvertip is about equivalent in stopping power to a 380 or a 38 special in anything 2" and shorter. You must train for multiple taps with the 32, but you need that with 380's and 38's in a snubnose as well. Considering that you can shoot a 32 MUCH faster than most 380's and 38's in a snubnose, a 32 is actually a very viable alternative.
For a determined, well armed, Meth-hyped criminal, ONLY a CNS shot is likely to kill him before he can kill you. A 32 ACP through the brain will kill just as quick as a 45 ACP or 357.
Now don't get me wrong, if I have any idea I will face that level of threat, then my 357, 45ACP, or 40S&W will be with me because with less than perfect shots they will "stop" much quicker than a 32, 380, or 38 snub. However, one is only fooling themselves to think there is a very appreciable difference between the 32, the 380, and the 38 snub as far as stopping power. These less powerful rounds will all likely require multiple shots so speed of second and third shot may be critical. Especailly for persons of small stature, the 32 may be the best choice. I carry a NAA 32 everyday. If I need something bigger, the next step up for me is my AMT Backup in 40S&W which I can still conceal with just a dress shirt and slacks. If I have the option to conceal a bigger gun, then the 45 or 357 get the nod.
In reference to the original question, I would agree that the Kel-Tec P-11 is probably the best balance of price, concealability, stopping power, and shootability for someone of small stature, especially a female. For those unfamilar with firearms, a revovler is a better choice for reliabilty, but you must either sacrifice power to get a revolver in the size range of the P-11 or or you must sacrifice concealability and shootability to get a more powerful revolver.
Just my $.02.
Roll Tide