Well, to add to that, I don't think a High Standard will pay for either of those in whole. If you can find one, I believe the Model 60 will be cheaper, but nowhere near as useful or fun to shoot for general purpose. A stainless CZ-75 will run you 5-600 bucks, and now you have a 9mm for targets or whatever. I'm sort of in the same boat with the "to young to carry" deal, and I've had opportunities to get snub noses, but I saved and got full sizes because I can make more money and I like shooting targets, and that's not as fun to do with a .38. My vote is for the CZ, or any full size 9mm really. Get teh snub nose when you need it.
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