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I have a 3" Micro similar to the stainless one you posted a picture of. When I bought it, it was considered a "Loaded" model, which is what the stainless Micro is. Mine, unfortunately, does not have a beavertail grip safety(or the ambidextrous safety) , but it does have an extended tang, which prevents hammer bite. The bad thing about that extended tang is that recoil forces it into the web of your hand, and will rub it raw in less than a box of ammo.

Mine has been 100% reliable with good ammo and good mags since the day I bought it. It did, however, have an erratic ejection pattern which Springfield fixed. I've hit 20 gauge shotgun shells at ten paces with it, and can easily hit a man size target at 100 yards. You aren't giving up any accuracy by going to the short barrel, but you will lose velocity and sight radius. The shorter sight radius makes it more difficult to shoot accurately. The loss of velocity may be enough to cause JHP ammo not to expand.

I suggest buying a Loaded model, such as the stainless version pictured. It should also come in a black phosphate type finish that is less expensive. It will come with better sights, and controls that are easier to manipulate than a GI or Mil Spec model.

Mine is easy to conceal, but I prefer revolvers, so it doesn't get carried much.