I have limited experience with Charter guns, they seem a little on the fragile side, but maybe that's just me. I like a little mass in my revolvers. The suggestion about finding a police trade-in is a good one, they are out there, and most have been shot very little. I picked up a PD trade-in several years ago, a Smith M-65 three-inch, and it's by far my favorite revolver. I slicked up the action and shaved off the hammer spur, since I only shoot DA anyway, and it helps with the carry qualities. I usually shoot +P's in it, magnums are doable but pretty fierce, even with the heavy barrel. The price was reasonable, and it will outlast me by plenty. I like the 65 over the 64 since it shoots either round, the 64 is a 38 only, but either one should serve you well, and will stand up to plenty of abuse. I use my to shoot clay pigeons on the backstop at 50 yards, and even with low fixed sights, if I miss, I can't blame the gun.
Papajohn