Don't overlook S&W stainless - still "reasonable" pricing
I too became "fixed income" on January 1, this year. Just getting used to all new budgeting.
In any event like you are looking for a woods carry in KY, I think you probably hit on the best all around caliber (357) and considering some guns this for sure means cheaper 38 Special for target and practice.
I would certainly look for used S & W Model 65 and Model 66. The only difference is fixed sights (Model 65) and adjustable sights (Model 66). Both are found around here, used, in the $400 - 450 range, but usually face-to-face private deals...LGS is $100 higher.
Both my M65-3 (1986) and my M66-6 (2002) are 4", stainless and believe it or not the 66 was cheaper than the 65 (probably because of the Internal Lock...which has never given me any trouble to this date).
The only thing I have not found with the later dash number 66 is the two piece, sleeved barrel, which I see from other posts years back can be canted, but again I have no personal experience and my 66-6 is a one piece barrel.
Both guns are great to shoot and very accurate. For me, both guns need rubber grips when running full house Magnum ammo, otherwise the factory Magna's on the 65 are fine, and the 66 came new in box (well blue plastic case anyway) with Uncle Mikes rubbers already on it.
Another thought is specify exactly what you are looking for and post a "Want to Buy" add in the appropriate sub-forum right here. You may just be surprised at the responses you may get.
Good luck in your search.