I was fortunate enough to find the exact gun you want - new - from CDNN five years ago - a 2" 10 (a -11!). It is +P rated - and a sixshooter. In an OWL pancake (OWB) leather holster, it got old carrying it quickly - even with the wood service boot grips - it's bulky and heavy - and here, it mist be concealled. It became my wife's bedside & car gun.
My 296, a 642-looking, but larger L-frame, .44 Special was worn the same way on and mostly off for years. Finally, nearing two years ago, I ordered a Mika's pocket holster for it - and one for a 642, should I get one. It became a carry in 75% of my pants' front pockets. Then, I found a LNIB 642-2 - and now I have an EDC for all my pants. This, I can and do carry - all of the time'
Last fall, followed by two thugs in a store, they cornered me in the back - I reached into my pocket - gripped the 642 - was milliseconds from drawing it as I stared the bigger & older one in the face - he looked at his pal and shook his head. They turned and all but ran out of the store. My wife saw it - and was visibly shaken. "What did they want?", she asked. I could only muster a "Well, maybe he had a Watchtower in his pocket - and wanted to witness to me.". She was in tears. I go to church armed now.
Whatever you get, consider how you can insure you have it when you need it. Pocket carry permits 100% carry for me - even while cutting the grass or getting groceries. As has been said, a Glock by the bed does you no good if you are at the mall - in a parking deck.
I suggest, if you like a dark finish, you consider the S&W 442, the black Al framed/blued steel cylinder version of the 642. I couldn't care less whether my new S&Ws have the Infernal Lock or not, it hasn't been a problem for me. In a perfect world, they wouldn't have an IL... but... in a perfect world, you wouldn't need a CCW.
I'd avoid the .327 Magnum - just a longer .32 H&RM - and they were all canned, except for the Charter Arms 'Undercoverette', by last year. You bet an 85gr JHP at 1300+ fps will be loud, too. My money rides on bigger/slower/proven - a 158gr +P LSWCHP, aka 'The FBI Load'. Heck, even the mild 148gr full wadcutter target .38s make a great protective round, especially if you are recoil sensitive. Remember, this isn't designed to be a range plinker - it's to save your bacon.
Stainz
PS Ammo - buy .38s anywhere - .327 Magnums....