S&W
Ruger
Charter
Taurus ...
Although options are missing, like Colt....and assuming as mentioned OP is just considering those mentioned.
I Voted Taurus .... I carry a 85 Ultra Lite a lot and a (905 in 9mm)
I love the two revolvers.....never a complaint!
I have owned all mentioned.....and Charter does not appeal to me at all. I think they have made some fairly reliable revolvers, but there attention to detail sucks, even on a cheap level ( there roll marks always look like crap ) can not stand that! (personal thing I suppose )
I have S&W snubs that are nice as well as Ruger SP101(.357)...642's are nice, and as of yet I have not caught the polymer revolver bug....
barf
The Taurus 85 is my pick of the above due to the ease of replacement, other than the Charter it is lowest cost and still a very reliable revolver, making me worry less about wear and tear and possible loss.
(And before it is said...I dont plan on losing my carry gun, however if it is used in self defense you will probably lose it for some time or forever, and if in a place that does not allow CCW, you may have to leave it vehicle, which leaves it vulnerable to theft. (I have a gun safe mounted in one vehicle for this situation) but whole car can be stolen as well!
I have purchased 2 Taurus 85's from pawn shops (1) for $200.00...one was in box like new for $235.00