Here's a Charter Arms story I'd like to share. My gunsmithing instructor, Bob Dunlap, loaded his Charter Arms .44 Special Bulldog with magnum charged loads. He secured the gun, cocked it, and tied a string to the trigger. Boom! He examines the gun (mics the frame) and finds no distortion. He successively fires off all the other rounds in the cylinder and inspects between rounds. After all rounds have been fired, the gun is not showing any signs of wear (for the worse). So, in response to the original inquiry regarding Charter or Rossi, I'd go with Charter (Rossi to me is a cheap S&W).
However, given the choice of a used gun or better budget, I'd go with a Ruger SP101. There is no tougher revolver on the market.