I have broader standards for my carry pistols and revolvers.
For one thing, I clean my stuff more often than you do. Just the way I have always done it.
I don't mind a 5 shot J frame S&W .38 Special. Never felt under gunned with one in my pocket.
As far as accuracy goes, I am right in sync with what you feel, with the caveat that the J Frame probably won't measure up with regards to the longer range shooting.
No hand gun, or any gun, is any more reliable than the last time it went bang. Do your best with maintenance, load, and handling, and still, there is never a guarantee for that next shot.
