azmark,
You are pretty much right on. But, in one of my .45 Ruger Bisleys I can shoot 200 grain bullets and a lighter load of Trail Boss and shoot to nearly the same POA as my heavier hunting load - close enough for practice at closer ranges.
For general purpose, IMHO you need adjustable sights. Also, the rounded sights of clones or reproductions as you might call them, do not lend themselves to really accurate shooting like a partridge front sight. You need to decide if you are want a revolver that looks more historically accurate or one that shoots like you want with a variety of loads.
Personally, I opt for shooters. I have no safe queens and don't care if the gun looks authentic or not as long as it shoots well. You will note on the Ruger Bisley that the hammer spur is lower which makes it easier to reach and the grip is longer and higher for a better grip. I have a bunch of Smiths, but I really like to shoot single actions.
A severed tendon in the thumb of my shooting hand and scar tissue from surgery doesn't help with shooting, but the Bisley grip sure helps. IMHO, you simply cannot go wrong with a Ruger and a Bisley grip - try one. Of course, handguns are very personal items and what works for me may not work for you. Like lots of things in life, you pay your money and take your chances.