Howdy pard,
You may not know it, but you've kinda sumbled into the yin and yang of CAS guns. Stainless Rugers or matte finish USFAs, Rossi or Marlin.
The Rugers are just about indestructable. They have a different feel and in stainless, they wear little. You can have them bead-blasted and they look like a matte nickel, very nice. The USFAs are exceelent guns, more refined than the Vaquero and maybe not as durable. The finish is just basic, no frills, but they are mechanically excellent firearms, at least those I have handled. The good news is that both of them should have decent resale, and the pricing you have gotten is very competitive.
In 38/357, they are a toss up, in 45, I'd go with the USFA.
I would always go with the Marlin, it's got a shorter throw and is easy to slick up and take apart. The 92 is a very solid gun and can be slick. It is a nightmare, comparatively to take apart. With the money about the same, that's a no brainer, for me. Especially in 357. In 45, the 92 is less finicky.
Good luck and welcome to the game.
Adios,