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A .410 shotty while not ideal in my book, certainly is better than a 2x4. Especially for that price.
As far as J-frames, they pretty much have 3 hammer options, the 637, with a traditional spurred hammer, the 638 "humpback" bodyguard styles with a shrouded hammer that allows single action, but in theory doesn't snag like a spurred hammer, or the 642 with no external hammer which is double action only.
I opted for the 638 model, new in Ohio they can be found for under $350 occasionally, which I consider a good deal.
If I was going to use a J-frame primarily for HD, I'd get some replacement full size grips, then if you decide to switch to carrying it, go back to the smaller ones.
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Fortes Fortuna Juvat 
We're mules lad. Mules that kill. 
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