KoiBoy:
For concealed carry I would choose the 686+. It is slightly smaller and holds 7 rounds of .357. The 125gr JHP .357 has always been regarded as the best 1-shot mansopper ever. Recoil with the 3 inch full lug barrel is manageable and the balance is fantastic.
The .44 mag is good for bears not not a great defensive round on humans. .44 special is much better in that regard. It is well balanced also but recoil is a bit much with magnums and pretty mild with specials.
That being said, they make such a nice pair that you really should get both