cguedr-
I like your style. Count me in as a fan boy for the ruger ccw revolvers. I have used/owned both full size and snub revolvers from every major manufacturer (except taurus, I never touch a taurus) and my 3" SP101 .357 rides my hip every day. For the price/quality ratio, there is no better bargain on this earth than a SP101 or LCR NIB. That's just fact. Sure, smitties may have better triggers out of the box or be slightly more aesthetically appealing but this is a ccw snub nosed revolver, not a target gun nor a safe-queen show piece. You want something that is functional, reliable, and supremely durable. And you want a good price on it.
Therefore, you want a ruger
My Recommendations:
If you want IWB/OWB, get a ruger sp101 with a three inch barrel. It DOES make a difference over the 2" bbl as when I've done chrony tests between the two there is ~50 FPS difference with the same types of factory ammo. Sight radius is also better, and from my own perspective the gun just handles better with the longer barrel.
If you were shooting for deep concealment/Pocket Carry, the Ruger LCR is your huckleberry. Amazing little gun that's easily worth twice its current MSRP.
Ammo Choices: Buffalo Bore, all the way. If you are using the sp101, regardless of bbl length, get the buffalo bore 158 grain .38 +P fbi load. here' some stats for it: 1100+ FPS out of a sp101, and 450+ ft/lbs of energy! FROM A .38! Ballistic tests over at stoppingpower show it getting 15" in 10% gel after passing the 4 layer denim test and expanding to .56 diameter. Freaking fantastic.
If the LCR is your route, I would avoid the +p BB unless you are very recoil tolerant. It is a stout load which the sp101 soaks up nicely but the LCR does not. For the LCR I would go with buffalo bore's "standard pressure" (haha, yea right!) .38 158 gr LSWCHP loading, which is still a great performer and performs better than many of the same style +p loadings of other manufacturers