Welcome to TFL buxbandit!
Do you work for the IRS? Just curious.
I have a tracker chambered in .41 Magnum. I like it. The internals were a little rough when I bought it NIB, but they smoothed up and it has a very nice trigger now.
I don't have any firearms chambered for .45 Colt, so I can't say much about comparing it to .45ACP. I will say that I don't see much variety available as far as .45 Colt ammo goes. I don't like shooting lead, so Cowboy loads would not do it for me. For me, .45ACP would probably be cheaper to shoot.
I don't own any handguns that require moonclips, either. Not sure which I would prefer. Good luck with your shopping.