I agree with wwb. I'm an old wheelgunner and I love the Ruger SP101. You can shoot .357 mag. loads without pain, and it is a very accurate gun. My wife carries one with the 3" barrel. You have the option of shooting .38s, .38+Ps, and magnum loads.
A K-frame S&W is a little bigger but the only advantage is one more round.
Charter Arms is working hard to produce good, quality, guns these days. The CEO is a former employee from back in the days when it was owned by bean counters who never fired a weapon. Quality control and ideas are really getting better. They are coming out with a line of small frame revolvers in pistol calibers, 9mm, .40 and .45. These will not use moon clips. However, I like the Bulldog in .44 Special. Five rounds of 240-gr bullets at 850 fps makes a mighty fine wound cavity. (.357, .44 Sp., .45 ACP all sound pretty good.)
Remember, in the civilian world most encounters don't reach 3 shots fired total. Not like combat. You won't be needing 15 rounds. Two well placed ones will usually work fine.