Ruger Sp101, S&W J-Frame, both good choices.
I would opt for the models with adjustable sights, reason being that I might need to reach out a bit further than arms length, and I want the accuracy/poi to be there.
Consider the scenario of a mass shooting in a church, restaurant, etc. by a bad guy with body armor. I want more power than a 9mm or 40 to try and get through the body armor, and I might be shooting at 20-30yds.
When I have that kind of concern, I carry my Ruger Security Six, with Buffalo Bore 180gr Hardcast. This gives me reach/distance, accuracy and power. I carry it beacuse I do not have a Sp101 or J-frame, yet.