It would make all the difference to me if there was some type of device to make it a bit safer.
There are lots of high-quality pistols out there with manual safeties, if you prefer them. Most will be considered "traditional double action," meaning you can fire from hammer down on the first shot, but after that the hammer stays cocked for a lighter trigger pull on subsequent shots.
My personal handgun is a Smith & Wesson 3913 LadySmith in 9mm (compact alloy-frame pistol with single-stack magazine, making it much narrower than a Glock). It is completely drop safe with the safety off (as are all modern S&W's), but gives you the option of putting the safety on if you choose. SIG, Steyr, Taurus, Beretta, and numerous others also make excellent handguns with manual safeties.
As I see it, the biggest drawback to the scenario of having no round in the chamber isn't merely time, but the requirement to have two hands free. With LOTS of practice, you can chamber a round almost as fast as you can draw if you rack the slide while raising the pistol to a firing position. The downside is, what if you are fending off an attacker with one hand . . . with a double-action firearm on safe, you can activate it one-handed.
With the pistol you have, many have suggested simply getting a good holster to guard the trigger and then leaving the chamber loaded. (Just make sure the gun doesn't fall out of the holster.) Note that you would need to treat a Glock exactly the same way you treat your Kel-Tec--don't keep a round chambered if the trigger guard isn't covered. My wife's handgun is a Glock 26 in a Gould & Goodrich paddle holster with a "thumb break" retaining strap.
Bersa .380's are also great guns (and much less expensive than a Smith), but are not drop-safe without the safety engaged. Leave the safety on and you'll be fine.