Well, if I had to use a 22 for defense, I would use a rifle. Some ammo will come out of a rifle with the same energy as a 38 out of a revolver. I would want a few 25 round magazines though.
Here's what I would do as the op. I would buy bulk 22 ammo to practice with, and a box of good 22 ammo. Practice with the 22 rifles and pistols routinely and then buy a box of 38 once a quarter and shoot that up. Buy a box of good defense ammo for your 38s and don't shoot it up.
Keep the 38s loaded at home and a couple magazines loaded for the 22 rifles.
As for buying an lcr. I would skip it and just practice with light target loads until such a time that you have more money.