for what the guns are, and the price that you pay they are not bad. but if your area has them for $400+ you might as well get a S&W airweight J frame for the same money.
Which S&W airweight J frame do they make in 44 Special?
I've got one of the old (73) 44 Bulldogs, and it's not bad. It's not a slicked and smoothed K-frame Smith, but it isn't bad at all. Recoil is also not as bad as the horror stories I've heard, at least not shooting my 200 grain reloads. I do have full sized Pachmayr grips on mine however. Smaller grips might be a different story.
However, to your question, my wife had one of the current version of the 38 Charter. We traded/sold it for something else, but the gun itself wasn't bad. Out of the box, the trigger was a bit rough, but with a little shooting either it got better, or we got used to it. Simply flushing the interior with Gunscrubber, and oiling it helped a lot.
I'm not really a fan of any small frame 38, so I've never been impressed with any of them, Smith & Wesson, Colt, Ruger or Charter, but they're all usuable.