I've had plenty of opportunities to get rid of my .25ACP Beretta Jetfire in favor of a .32, but I've kept the little spitwad in favor of all comers.
At a time, I've owned several Tomcats, a NAA Guardian, a Kel-Tec P32, and a NAA Mini in .22 Magnum. I prefer the Jetfire as a "back pocket gun" over all the above. The reasons are its tip-up barrel, its absolute reliability, the small size, and the moderately thick grip which gives the feel of a bigger gun. Also, the Jetfire has small, but useable sights, and it is very accurate at 7 yards. The .25ACP may be more expensive than the .22LR, but you get centerfire reliability. It's a fun gun and a "last resort" weapon, and it's just much more of a pleasure to look at than a P32. Again, it has never shown a failure of any kind, which is more than I can say for the P32 and Guardian. The Tomcats were all jam-free, but they're a bit bulky for .32s.
Safety with a round chambered? I've carried mine with one in the chamber ever since I got it, and I have yet to hear a "bang" out of my back pocket....and I sit on the thing all day. The tip-up barrel makes lowering the hammer on a live round a non-issue. There's actually no reason to ever rack that little slide.
Magazines are cheap and readily available at ~$20 a piece. The gun itself runs just under $200 new, and you can pick up used specimens in good shape for little over $100.
Ergonomically it's probably the most comfortable mouse gun short of the Tomcat, since it's light and short but endowed with a fairly wide grip. Both Jetfire and Tomcat feel like bigger guns when you hold them.
If you're looking for a proven, reliable, and beautifully crafted .25, get a Jetfire. It's not an elephant stomper, but we usually carry bigger iron as primary armament anyway. No matter what I carry as a main sidearm, the Jetfire always rides along in my back pocket.