I've carried around a Charter for years and finally bought a SP101 2" in 357 at Christmas. Both guns are plenty accurate. I took a shot with my Charter in November at some turtles in a river at about 40 yards and actually got within 8 inches, and used it in April to take the head off a rattler with 158gr lead ball. I took the Ruger to the range last month and easily put all 5 into the head of a standard silhouette at 25 yards, one handed, SA, with Rem 158gr 357 sjhp. So I wouldn't undersell the accuracy part. (I can do the same with the Charter using 38's) But full house 357's do sting a bit. 110gr sjhp's in 357 were really smooth in the Ruger. I still want to try some 125's.
I do like the DA in the Ruger, it's almost two stage and I can shoot it fairly well in DA, I like it better than the DA on my father's S&W M19, the DA on my Charter, and the DA on my P85 (which is long). If it were self-defense only, DAO would be cool, but I kind of want one gun to carry everywhere, so I want the DA/SA option. The Ruger is heavy, not as heavy as my 1911, so I didn't mind the trade-off, but it's not a 16oz gun like the Charter either.