First of all, please understand that I mean neither disrespect for your opinions nor to start a fight.
That would be silly, as I understand and agree with your reasons!
However, I think it's reasonable to point out that neither of the answers you or Thaddeus posted relates directly to your statement that, "I will NEVER trust my life to an S&W with the current lock."
It may be ugly. (Agreed, though it doesn't kill my love for the gun.) It may be unneccessary. (Well, DUH!) It may be a bit more complicated to do than some folks want to bother with. (Ok. ***)
But we've not yet found a reason why you couldn't trust one for self-defense purposes. Crud getting in the holes is possible, but we all know we're supposed to clean these things, right? And that they have plenty of other holes for crud to get into. I really don't see this as an issue. If that little hole into the action worries you, in regards to crud getting into the works, and autoloader must terrify you!
And, TR, legal ramifications? I just don't believe it. Your opinion is as good as mine, of course, but, by the time the lawyers are fighting about
that, they've scraped right to the bottom of the legal-issue-barrel, haven't they?
-Sam
*** -- I don't own any guns I haven't detail stripped, cleaned, lubed, and often, tinkered with or fluffed-and-buffed. So the idea that it's too complicated or that some gunsmiths might not want to do it really don't go too far for me, personally.