I'd get a good used S&W 686 pre-lock with the factory hogue grips. It will always be worth what you paid for it. I think you can still get a nice one in your price range. I would NOT buy new to avoid the lock ...
The Rugers are a good bang for the buck, but they are a bit stout. Not terribly elegant looking, IMHO.
What's nice on the 686 is the lug under the barrel. Makes for a nice even look.
G
