Can't comment on the Heritage as I've never fired one. It's probably a fine gun for the money. All I can say is that I bought my Ruger SS 20+ years ago and it's one of those guns that I would never even think of selling off. The quality is there to last a lifetime and I hope my kids or grandkids (hopefully) will enjoy it as much as I have.
It's worth it to spend a little more, although admittedly, I got lucky and picked up mine LNIB from a pawn shop off base for $125. Even 20 years ago, this was a heck of a bargain.