I've owned a .38 undercover. I own three Taurus revolver. I'd go with the Taurus, high quality and lifetime warranty. I'd check it out for timing, cylinder play and such, but really, I've not had a problem with mine despite those that complain, many who've never even picked up a Taurus. I simply wasn't impressed with the Charter and got a Rossi M88 at the time which was a better gun, at least was timed right. That Charter out of the box had issues and it wasn't terribly accurate. I haven't kept up with 'em, in and out of business, some years better than others. I just know I wasn't too thrilled with mine bought in the 80s. That's when I figured out I'd better check out anything I bought, new or used. I ordered that Charter.
I suppose if you found a good bulldog that was tight, timed right out of the box, it'd be a good shooter, but I'd stick with low pressure ammo in it for sure, not try to perk 'em up at all. The Taurus will be the stronger gun for sure.