I own two Charter Arms. One is a 32 H&R magnum Undercoverette. One is a 44 special Bulldog with a shrouded hammer. I like them both okay.
Cons - They look and feel kinda cheap. I guess it's the alloy frames, and it seems like they are assembled with more pins and less screws. The triggers feel oddly toy-like.
Pros - They go bang every time. The triggers feel toy-like somehow, but they are better than average and decently light. They are reasonably accurate for snubbies with fixed sights - plenty good enough for SD.
I prefer my S&Ws and Rugers. But Smiths in those calibers are more than I am willing to pay, and Ruger didn't happen to have them when I was looking (they have several different 327 revolvers now). I ended up getting the Bulldog and the Undercoverette gently used for very good prices.
I don't love them, but I have had them both for over a year and taken them to the range many times. They have functioned perfectly and I trust them enough for SD. In fact, the Bulldog was in my back pocket this morning when I was walking the dog.
Taurus is also making a 44 special snub. It is also an alloy frame, maybe just a little bit bigger than the Bulldog. I own them both. The Taurus looks nicer. It is as reliable and accurate as the Bulldog, but the Bulldog has a shrouded hammer, so it is the one I carry.
No doubt a similar S&W would look nicer and have a better trigger. If I happen to run across an affordable one I might buy it. Until then the Bulldog is perfectly adequate.