I do have the ruger and rate it very highly. Since I use it as a carry gun I use the 2 1/2 inch without the hammer spur that might snag on clothing. I really like the weight and feel of the gun, and pointability. I use 38+p ammo for carry purposes. It is more than accurate enough for its purpose, and it is verry rugged and reliable, no worry about safeties, magazine release etc, just point and click. I have owned many Smiths, they were smoother, more polished, but for the money they are no more effective or reliable.