XavierBreath is right. A used S&W model 10 beats all comers in bang-for-the-buck. You can find them for under $200, and can easily sell it for at least that much later on. The model 10 does not have the sexy Hollywood cache a Glock does, but you can buy 2 used model 10s for the price of a used Glock, or one model 10, a case of ammunition, and a nice holster!
- What you consider adequate stopping power - .38 Special is a good round, and modern bullets make it even better.
-inexpensive and available ammo, for target practice and self defense - .38 Special is one of the cheaper choices when it comes to factory ammo, and it is available everywhere
-inexpensive and available magazines / speed loaders - Speedloaders for the S&W K frame are by far the cheapest and most common available.
-warranty if any - S&W's customer service is the yardstick by which all others are judged.
-easily available spare parts - They made something like 50 gajillion of them, (and still are) so I suspect model 10 parts will be available long after the sun burns out.
-reliability - In a word, YES.
-durability - Many, many examples, some up to 100 years old are still going strong
-accuracy - They used model 10s with adjustable sights for bullseye competition back in the day.
-ergonomics - More different grips are made for the S&W K frame than any other gun, but if you can't find one to your liking, you can even make your own fairly easily
-accesories (holsters and what not) - As XavierBreath said; 102 years worth
-easy to field/detail strip - You will never need to.
-weight - 30-36 ounces