You need to give that Ruger a harder look. It may not be fancy, but Ruger P-series handguns are about as reliable as they come. Nothing against the Charter, but I would be very reluctant to trade off a Ruger P-anything.
"For every problem there is always a solution that is simple, obvious, and wrong." - Mark Twain
My mom has been carrying the 38 Charter since before I was born and I've shot this 44 Bulldog Target Airweight and it shoots good, feels good and has less recoil than my Kimber 45.
They're made in Shelton, Ct. and come with a lifetime warranty.