I don't think anybody's going to give you any "heat." With rare exceptions, people in this Forum tend to be pretty civilized.
One option you might think about. I don't remember the whole story of the Buchanan/Campbeltown (the Revell kit, incidentally, was originally issued as the U.S.S. Buchanan), but if I remember correctly she only operated quite briefly - if spectacularly - in that bizarre, two-funneled configuration. [Later edit: I looked up the kit in Dr. Graham's book about the history of Revell. It originally appeared under the Buchanan name in 1960. It was reissued as the U.S.S. Aaron Ward in 1962, then twice as H.M.S. Campbeltown, in 1972 and 1979. I think it was reissued at least once after that in either the "Special Subjects" or "Revell Classics" series; Dr. Graham's coverage only goes through 1979. So far as I'm aware, the only changes ever made to the contents of the box were confined to the instructions and the decal sheets.] The modifications for the St. Nazaire raid surely were completed in a few days or weeks just before the raid itself. I imagine she operated under the British flag for some time before that in whatever state she was in when the U.S. Navy handed her over.
That doesn't necessarily mean she had all four stacks and her original American armament under British colors; quite a few of the old "flush-deckers" got modified between the wars. But if memory serves (a highly dubious proposition these days), most of them spent the interwar years mothballed in their original configurations, and some, at least, went into British service like that (probably with new color schemes).
Another option, of course, would be to build her as the U.S.S. Buchanan - as the original Revell designers intended - in World War I or interwar configuration. That would entail, essentially, painting her overall grey (with a darker shade for the decks, I guess) and putting big hull numbers on the bow.
I do wonder why on earth the Revell people took the trouble to put that "wood planking" on the deck parts. I'd have to do some digging to be sure, but I question whether any American warship designated a "destroyer" has ever had a wood deck.
Bottom line: it's going to be a nice model. Good luck.
Youth, talent, hard work, and enthusiasm are no match for old age and treachery.