Hey hey hey...welcome to the games! Here's my "been there, done that" for what it's worth. Moonclips in a 686 are better/faster than speedloaders, and you get all your brass back...BUT...you have to use the right kind of brass, or you really fight with them. Some makes have friendlier rim "slot" dimensions than others. Better to get a 625 (45acp) or even a 610 (40 S&W), and use ammo that was designed with a much more generous "extraction" groove, meaning that it will work much better with moon clips. You can make "major" easily with these calibers for the natural scoring advantage . Also the holes that you're aiming for when making like Jerry Miculek and "throwing" those reloads home are bigger and more receptive in 40 or 45 caliber than they are in 38~ Besides, it's another reason to get another gun! I had the advantage of being able to moon clip my own guns ( 686 - 6 and 7 shots), so no expense was really involved, but the 40's and 45's worked out better for me. I currently shoot a 610 with 40's....matching brass and primer size with my Limited competition gun...one of those high-cap bottom feeders. Wheel guns are fun...good luck to you no matter what you decide to go with.
DVC