I don't know what your needs are, but if your choice meets them the best, then that's all that really matter.
My primary focus is personal defense and between an exposed, shrouded or enclosed hammer J-frame, I feel the fully enclosed hammer models meets my perceived needs the best. The reason is I do not feel having single capability is of much value for personal defense. A scenario of having to make a controlled precision first shot with a snub revolver in a civilian defense situation is extremely unlikely. The majority of self-defense are reactive and occur at close distances and it's relatively common for them involve physical contact with the assailant(s) and by retaining single action capability, you lose other qualities that are more likely to be of applicable advantage in the most probable defense scenarios.
The enclosed hammer frame makes for a snag free draw, prevents lint/debris from getting into the action, allows for a high hand grasp and more grip variations, it can be fired from inside a jacket pocket or otherwise entangled in clothing. There is no hammer to get blocked in a close-quarter struggle. It eliminates any accusations you cocked and accidentally fired it as well as actually doing so. It also has a better double action trigger.
That's my personal perspective. Your wants, needs and opinions may differ from mine.