I am STILL debating this on my Ruger SP101. I wanted the 3" model, but also the DAO hammer. If I'm not using the spur, I think the DAO looks better, and any less chance to snag is good. However, it will involve me sending my revolver to Ruger and paying $100 to have the part fitted, so I'm not 100% sure that it's something that I want to do.
Like RC said, for a longer-range fight, the SA would be nice. However, from what I understand, most civilian shootings are going to be at 3 yards with 3 shots in 3 seconds, so that's sort of a moot point.
Are you going for pocket carry or another form of carry? If I were pocket carrying, then the hammerless would definitely be the way to go (I *MAY* get an LCR for this purpose down-the-road). My SP101 is going to be carried IWB, so I'm not sure on what I want.
I think I'll wait until my holster gets here and see exactly how it works before I decide whether or not to go. I hope my rambling helped in your decision.