I have used one. I'll say at the time I had very little experience with .22LR revolvers, so nothing about it stood out as being particularly offensive in terms of it's actual operation. Maybe if I tried it now, it'd be a different story. That said, the gun didn't particularly impress me in finish and appearance. I find the Charter Arms revolvers to be kind of ugly, to be honest, and I've heard horror stories about their customer service.
I would take a Taurus 94 before the Charter Arms. I've used the 94 a bit and actually rather like it; some of them have VERY heavy double-action trigger pulls, but not all. I don't know what's up with the variance on those. I also think the Model 94 is a very aesthetically pleasing gun. Taurus gets pooped on quite a bit but most of the revolver owners with Taurus products seem satisfied with them for the price point. I would have bought one if I hadn't found the Model 17 I currently have on the secondary market, and still think about buying one all the time.
I have no experience with the SP-101 in .22 but I would buy one immediately if I saw it.
Ultimately, I'd recommend spending more initially to avoid headaches down the line. A Charter Arms Pathfinder runs like $450 to $550 in most stores. That looks like a deal, but for $550 to $700 you see used S&W Model 17s for sale all the time. I have a Model 17 myself that I got from an abusive owner and after a visit to the gunsmith the gun is easily one of my favourites. It looks great and shoots well with a fine double-action trigger.
Really, what I usually ask myself is "how do I feel about handing this gun down to my niece?" Will the gun survive long enough to do that, or be enjoyable enough to shoot that she'll want it in the first place? Asing myself this, I'd stay away from the Charter Arms and try to find a used S&W or hope an SP-101 falls into my lap.
Good luck, .22 revolvers are super fun.