DaveR,
You initally said you were looking at CCW/fishing trip duty. From that I assumed you were not concerned with target use. Yes, for target use it is nice to have adjustable sights for POA=POI. Nice but not necessary. With my fixed sight snubbie, I really don't find it any particular handicap. The POI changes at different ranges anyway, so rather than thinking I am on target by fooling myself with a set (and changing) adjustable sight, I have practiced enough that I know where shot placement will be at various distances. I still shoot small groups with it at any distance! Group size means more to me than being centered in the black at any distance. Group size tells me I have it aligned the same with every shot. From there it is a simple matter to adjust my point of aim.
I have a 3" Taurus .38 that I have owned for a number of years now. I also carry it in a IWB holster or sometimes just 'Mexican' carry. I had to slightly 'dehorn' the sharp corners and edges of the hammer spur to make it more comfortable (ain't stainless great?). Back when I got mine, the CH versions were not available yet, either were the .357s. It was much lighter than the SP101 that was just coming out at the time, and half the price of a Smith.
I'm sorry that Taurus has chosen to forsake us fans of three-inch guns. I am also not a fan of factory porting. I would like to have my own choice, thank-you-very-much!
Your choice will be a personal decision based on what you think should be important. The most important decision has already been made -- you will be armed!
Regards, Cougar