I'll say this; less than a year ago I was in the same boat trying to decide what to gift myself for my 21st birthday. I had it narrowed between these two fine Ruger revolvers. A gun I could carry was important to me. A gun that I could shoot moderately well was also important to me. In the end, the sp101 won out. I got the 3" model as to add a bit more weight (recoil taming) to the gun. I started not liking the gun, as I was fairly new to handguns and the SP's are not an easy gun to shoot. I knew this all full well before I purchased mine. I kept with it, and found a steal on some Remington .357 158 gr SWC's. I shot those, and hundreds of other loads. For comfort, yeah the .38 wins but by the end of the summer (bought my gun in May) I was comfortable shooting .357's out of it. As far as ammo goes, to me it really pays to reload the .357. I figured I have shot over 1000 rounds in this short time and only about 350 of those being my reloads. I bought the rest for the brass, and will gladly use those until they are spent. I ended up loving this gun, as a in-betweener. I can use it for shooting at the range, plinking, carrying, and even hunting if I so desire. It doesn't excel at any of those tasks but it does a good enough job for me. I do have a second gun on my wish list now, as I would like something a bit lighter and with a few more rounds of capacity to carry.