Well, I went and looked at that 3" model 65 today.
Nice condition. Clearly used, but not abused by any stretch:
a few minor scratches that look like they'd polish out pretty easily.
It passed the Jim March "revolver evaluation" test with flying colors: cylinder gap is noticeably smaller than my new 686 (eyeballing); cylinder is tight with no measurable front-back or spin movement; cylinder/barrel alignment looked good (as far as I could tell; that's the toughest part of the test for me); bore and cylinder holes are clean with no pitting; hammer is solid. Action is smooth; no grit feeling.
Equally important, it felt good. Fits my hand. Nice balance, significantly and noticeably lighter and less barrel heavy than my 4" 686, thus faster pointing, yet more substantive than the model 60 (which I just couldn't warm up to when compared side by side with the 65).
Feels like a better big brother for my 642 than a 60,
and a better woods carry gun than a 686+ (probably 6 oz lighter).
$395.
I went to have lunch and think it over, where I decided "yes", so I went back to put it on layaway.
Alas, I got there too late, just as they were locking the door. (I forgot they close at 5 on Saturdays.)
Manager said, "I'll put it back for you; come back on Monday and we'll take care of things."
Fine with me. Will give me another couple of days to mull this over. Plus, I've got a dentist appointment at 2 on Monday. Assuming he doesn't tell me I need a mouth transplant, or something, I'll probably go put 1/3 down on that 65. Then, I'll put a 4" 686+ up for sale. (Heads up; I'm going to be offering a nice deal on a virtually new 686 ... stay tuned for details ...)
I'm still open to advice until then ...
Now, let's see: this IS the K-frame club. I wonder what advice I'll get.