If you were using jacketed bullets it's very unlikely that it was bullet shavings (not impossible, though, if the chambers were cut improperly). It sounds like the BC gap could be pretty wide. My old S&W model 19 has opened up to about .009 or .010 over the last 25+ years and I won't shoot it with full power ammo anymore, at least not at your typical indoor range, because unburned (or, more accurately, burning) powder residue bounces off the lane divider and back into my cheek.
Check for concentricity of the cylinder chambers and barrel, and then the BC gap. If the chambers are concentric with the barrel it's unlikely that it is shaving bullets, even if the BC gap is on the wide side. If the chambers are not concentric with the barrel or the BC gap is very wide then it needs to go back to Ruger. I don't know what Ruger considers "in spec" for the BC gap on a new gun. My new SP101 was very good as was my model 19 when it was new. I've been told that S&W now considers anything up to .012 "in spec" on a new revolver. If true, that's a sad state of affairs.
Neither chamber alignment nor BC gap get better with use, so if it's not right there is no reason to delay sending it back for repair.
John