I tried out both the Marlin 1894 CB and the Puma 1892 for cowboy action. Granted the Marlin is a better finish, but the action on the Puma was every bit as good, the stroke as short, and the trigger as crisp as the Marlin. Heck of a price difference though, so I also bought the Puma 92 last month- but I took the 24 inch octagonal barrel rather than the 20 inch. It's slightly heavier, but I like the balance better. Also easier to load 10 rounds for cowboy action. And yes, I broke a finger nail trying to load it the first couple of times too. By the way, the local "historical" person here says the "short" carbine version was not offered until after 1900, so I guess the 24 inch is the right one if you really want to be correct for the 1899 period.
I can second just about everything BC Rider said- eats 38 spl and 357 both no problem at all. It will even shoot 38 spl wad cutters. I did, however, manage to jam one by "short stroking" the action. I don't think it would happen with 38 spl RNFP's.
Sights a bit of a pain to adjust for windage, you need a brass drift and a small hammer to tap them off sideways. I had to do this a couple of times as I kept drifting the sights too far with each tap. Mine was off a fair bit. I could not get the elevation low enough for center of mass sighting at 50 feet either, so I know to aim abut 1 1/2 inch low and that is about right.
Groups were about the size of a quarter when shot off a sandbag at 25 feet- and that's with Winchester "cowboy load" 38 sp ammo. I understand the groups are a bit better with 357 ammo, but as someone above said, for SASS more than good enough.
Enjoy it.
LGH
Accuracy is pretty good- off a sand bag