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It has all the advantages of the internal hammer models: No hammer snag on the draw; The ability to shoot through a coat pocket or purse without fouling the hammer.
In addition, it has benefits that the internal-hammer models don't:
The ability to cock the hammer for a longer-range, precision shot; The ability to safely perform a cylinder rotation check with the loaded revolver.
I am happier with a snubby with a shrouded hammer.
I have a Colt Cobra with better sights than my shrouded Smiths, but I like them better and shoot better with them.
Don't worry about cocking the hammer. The Model 40 and similar guns can be fired very accurately double action. Try it and you might be surprised at how easy it is.
I presently carry a small auto (Kahr MK9), so I probably have no business responding here. But I find the idea of a shrouded hammer pocket revolver quite appealing. It would allow for being ready and able to fire without actually having to show the gun first.
Reason I don't carry one is I don't trust my ability to reload under stress.
I formally thought they were not good looking, but I've found myself growing quite fond of my S&W 638 "shrouded hammer" J-frame. I like the option of cocking the hammer if I wish. About two more weeks and she'll be wearing beautiful, smooth, Hogue Pau Ferro "Bantam" grips.
You're likely not carrying that snub for target-shooting
As Jim Keenan wrote...'try it and you might be surprised'.
After a few hundred practice rounds you will find that at any range for which a 'snubby' is appropriate the double action will deliver hits faster and more smoothly than s.a.
I carried a model 60 chief as a backup for years and had complete faith in it . Had to qualify with it out to 50 yds. Aim for the head and got COM hits. Nothing wrong with the accuracy at that distance. The only concession made to the distance was that all shots at that distance were single action.
Recently traded the model 60 for a model 649 in 357. I like the ability to cock the hammer for SA, and the snag free draw from pocket carry is a definite plus. Haven't put enough rounds through it yet to see how it is for accuracy and reliability. I don't expect anything less than what my old one delivered.
I like a hammer. I sometimes carry a S & W Model 60. I don't do pocket carry but if I did, I might consider an internal hammer. I find shrouded hammer guns to be entirely too ugly. I know it's a silly reason, but I don 't think I would spend money for something that ugly--even though my rational mind says "form follows function."
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