I had a browning Buckmark, which I eventually sold because it failed to eject too often. I sold it with full disclosure of it's history. The buyer was convinced he could make it work. I also own a Browning 1911 .22. It is flawless.
I don't take the Rugers apart. I lock it to the rear, blast of compressed air for sand, swab the bore, a couple drops of oil on the bolt, wipe the outside with a little oil, done. Has worked fine for years.
Definitely overkill. I blue-Loctited mine when it was new, and it ended up in a trip to the gunsmith to get the screws drilled out the next time I had to disassemble it. Either get the special purple Loctite or just make a habit of tightening up those screws every time you take the pistol out to the range. I carry an Allen key in my range box for that purpose.What I would tell a prospective owner is to keep an eye on those takedown hex screws. They have been known to back out a little and make the gun a little less reliable until re-tightened. Some people will go as far as blue loctite I understand. Maybe overkill and will make complete disassembly difficult, obviously.