Don't have one but it's certainly on my wish list. The only L-frame I ever owned was a 581 when they first came out. It was a decent gun, though I didn't keep it long because it wan't practical for me at the time (early 80s).
If I were to own one, I would practice on the range with .38 SPL most of the time, occasionally run a box of .38 +P through it, and carry .38 +P.
That's because I don't like the flash and noise of .357 and would only want the L-frame for the 7th round, not for the ability to shoot .357s. Especially for self defense, where I would not anticipate having hearing protection available.
You can find that out for yourself easily enough, by getting a box of .357s and giving them a whirl. That's one of the appeals of a .357 - you can shoot everything from mild .38 wadcutters, up through medium to hot .38 +Ps, and up to mild to full house .357s up to 180gr bullets, all from the same gun.
My suggestion to you is to try several options and dial in your preferences yourself, which my be completely different than mine.
I do suggest that whatever you decide to carry, you should also include enough of that round in your practice sessions to where you are familiar with the sound/feel/recoil of your service ammo. I.e., don't practice with low-power wadcutters and then carry 158gr .357s without having actually shot the .357s.