Well, if you are going to spend $150 more MSRP than the 620 costs to get the 686SSR, a 6-shooter, consider the 627 Pro. It lists for the exact same amount as the 686SSR. What you'll get is an N-frame 8-shooter - ready for moonclips and with all of the other pluses of the 686SSR. Okay, the cheesy Hogue rubber grips joined their brethren in a very full drawer here, but that's the only negative - and it was remedied. Besides, the wood on the 686SSR grips sides feels like sandpaper - they'd be 'modified' quickly, if they were mine. The 627 Pro is S&W's 'deal, a deal, a deal' for the year, IMHO.
The 620 was my 'next' purchase - great feel and 'pointability', although a grip change was required. The 66's squared fg-ed UM's Combats were far better - but no longer available. Fortunately, I had a spare set destined for said 620 - so I was at the pusher's to relieve him of said 620 when I saw said 627 Pro for a C-note more. It didn't matter - I'd just put all of my spare moola in a bucket for the IRS - any purchase was to be on plastic. What's another hundred to my plastic? I left with the 627 Pro.
When I got home, panic set in... I'd never spent that much on one S&W... and, that card had a zero balance - before I stopped at the pusher's! I listed four Rugers for sale. Three went for $1200 - the fourth for a new .32 Seecamp, for my wife, and a C-note. I went back to the pusher's - left with an ANIB 4" 64-8. Life is good!
Here is my 627 Pro now, with a HiViz (~$28) and JM grip (~$65) added. It didn't work, however... I still want a 620!
Stainz