Liked everything about your post (except for the "destroyed" 442!
), and I personally still don't hesitate to shoot non-+P 38 Special ammo in my Baby Chiefs or in an original Charter Arms Undercover.
Not often, but not afraid.
Cheers!
P.S. I don't see how those Gold Dots at anything under 800 fps could hurt a thing... IMHO. They just might not expand quite like the factory load, but...