I went through much the same questions as you a few months ago. I had Cancer, and for a "Get Well" present to myself, decided to get a new pair of revolvers. I was able to find a pair of Colts, new 3rd gen from the Colts Custom Shop, with Black Powder Frames and all blued frames for just a little more than the USFA offerings. Now, quality of the newer Colts is second to none, fit and actions are great on mine.
Quality on the USFA's is about the same, but over the years, the Colts will hold their value better than the USFA's. Colts have the name, and right or wrong, will hold their value better over the years than any other copy will.
Greeenriver