I'll take the three inch any day for the sex appeal and bragging rights. However, I've never found the four inch barrel any harder to carry or conceal. For many years the only gun I could legally carry was a 4" M-10. Carried IWB or Mexican style, the four inch stays in the holster better than a shorter barrel. I think the shape of the butt is more critical in concealment (round butt v. square butt).
Since the PC 681 is round butt, I think the difference is pretty subjective. Given the width and weight of the gun, an inch of barrel will not make any difference in carrying or concealing.
The older I get, the smaller my daily carry choices. I tell people that my daily carry piece is a custom 3" m-65 RB. I have a matching m-13 with the same work, but its too pretty for someone as clumsy as me to carry. In reality, the M-65 rides around in my car a lot, but really doesn't get carried on my waist much at all any more. In truth, a 642/442/37/38 lives in my right front pocket from the time I get dressed in the morning until I retire at night. I guess none of us are as tough as we used to be.