It looks like speed is my Huckleberry. But price is the big issue right now money tite is it worth save or get the Rossi and keep it as a backup.
Given your parameters ..then here is the thing...
Money's the motivator here
$418 + tax to $450 for the Rossi and say a more common Smith charge of $75-100 so your shooting say @ $550
fair enough....
If then speed is your quest and cost is an issue then lets say you chose 38 Spl....
Rossi's can be temperamental is 38 Spl... keeping in mind they are chambered for 357.
Now if you hit the lottery down the road or mad cash comes your way and you buy a 73 or 66
you have good backup in the 92....nice to have a backup
All that said, I say get the 92...and you're shooting now !
but if you can resist the temptation and save a little while (I just bought a 73 LNIB for $825)
It boils down to pays your money and take your choice....I went the 73
BTW mine is a 44 spcl...and shoots GREAT