I recently bought a Charter Arms Bulldog in .44 special, NIB made in February 2015.
It was very similar to how you described, locked up well but gritty and rough. One thing about mine, is that the timing was off on the gun. I shipped it back to Charter Arms and had it back in 2 weeks at 0 charge to me, Charter Arms customer service is some of the best I've ever experienced. A few weeks ago, like an idiot, I decided to take apart the cylinder release on my gun to clean it. BAD IDEA, don't ever do this on a Charter Arms gun. The cylinder release has a bunch of tiny parts and springs that will fly all over the place and be impossible to put back together. I lost a couple parts, so decided to ship the gun back to Charter Arms to see about getting the release fixed.
I paid for shipping from my end. Got the gun back... IN THREE DAYS.
Not only that, the repair and return shipping totaled to $0.00. They replaced all the little parts I lost, paid for the labor, and the return express air shipping. I couldn't believe it. Just know that if you do get a Charter Arms gun, they'll take care of you like no other, no questions asked.
Now, as for the gun, it does smooth out with time and a few cleanings. The only thing that hasn't smoothed out yet it the ejector, it's kind of gritty but this in no way has affected function. It kicks the shells out nicely and snaps back just fine. The trigger has smoother out very nicely, and I now consider it to be superior to my S&W J-frame triggers... smooth, fairly light DA pull with an amazingly light and crisp SA pull. Overall I'd rate the trigger as "very good" for a mass produced DA/SA revolver.
As for shooting, so far I've put 250 rounds of 240 grain FMJ semi wadcutter reloads through the gun, a 50 round box of Blazer Gold Dot 200 grain loads, as well as about 50 rounds of full-power Buffalo Bore and Corbon loads. Yes, I know it says on Buffalo Bore's website to not do this, but I have spoken with the owner of that company and he assured me that it would be okay in a new Bulldog.
Shooting characteristics are very good. The sights are about ideal for a fixed sight defensive revolver, they're wide and easy to see but not imprecise. Recoil is comfortable with the LAX (brand) commercial reloads I was shooting, not bad at all. The Blazer Gold Dots had a bit more recoil but not much. The Buffalo Bore and Corbon loads though, had some impressive pop to them. I have added a pair of Pachmayr compac grips to the gun, and that I'm sure helped dampen the recoil but it's still pretty noticeable. Overall it's doable though with warm loads, and recoil is not painful.
The gun has fired every single round without a hitch. The only load it didn't like was the aluminum cased Blazer Gold Dot 200 grain loads. They stuck in the chambers badly, I attribute this to the aluminum case. All brass ammo including the hot Buffalo Bore and Corbons ejected extremely easily.
All in all, I really like this gun. Just yesterday, I got my leather rig in from Simply Rugged holsters for this Bulldog. Here it is with the gun and some of the Corbon 200 grain DPX loads:
Just a great gun so far, hard to argue with a 19.5 oz .44 revolver. It's got excellent stopping power, is compact, and while not as refined as a S&W it shoots every bit as well. If I were you OP, I wouldn't hesitate to get one.