Ask yourself a couple of questions: Am I ever going to want an optical sight? Am I buying it for pleasure and future value increase, or just to own and shoot? Which feels more comfortable in your hand?
If you might want optics and want a great shooter for a long time, buy the 686-4 IF it feels right. No optics in the future-go with the 28-2 as they are taking off in value. I've owned both in four and six inch versions. I'm partial to the 586/686 .357's because they are the perfect size and weight for the cartridge.
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