I heard all the stories about a friend of a friend's lock malfunctioned and figured all the hate for the lock was just because it's a useless part on our beloved S&W revolvers, nothing more. So I bought a 317 snub, two 642's and a PC Model 66 F-Comp with locks to go along with all of my pre-lock guns and had many thousands of trouble free rounds.
I understand WHY the lock possibly COULD malfunction, especially if you are the one in 100,000 owners who actually use the lock and wear in the parts. It's actually very simple. Look at which direction you turn the lock to engage it. The same direction it could potentially turn if it stays in place under recoil. I still thought it was all BS.
Then it happened. This is one lock issue even I would call absolute BS if it didn't happen to me. Between the combination of the gun and ammo, I don't see any reason it did happen, but it did. It was with my F-Comp I purchased used. I was shooting .38 Special standard pressure 158gr reloads. Everything was going good until I couldn't pull the trigger. No matter what I did, it wouldn't work. I put the gun away and shot another revolver for the rest of my range trip.
When I got home I tried unlocking the lock after seeing that little flag sticking up. Yup, it did actually happen to me. With the combination of the all SS K-Frame and the .38 Special loads I can't see any reason it did happen, but it did.
The only S&W I own now with the lock is my 317 .22 snub, since it's just used as a plinker and putting down sick animals around the property. The way I saw it if it happened to one it can happen to them all. You never know when or which one so I'll never trust my life to a Smith revolver with the lock. I found a 642 new at a LGS that was from an LE overrun without the lock and picked it up. With all of the pre-lock guns out there I don't see a reason to trust your life to something that could possibly malfunction and make your life saving tool useless. I know that some people own 50 Smiths with the lock and never have a problem, but it's that one in a million handguns and that one in a million rounds out of that handgun that make the lock fail. Unfortunately, I've been that one in a million. They say lightning doesn't strike the same place twice but I've watched it strike a high tension power like tower across the far field twice in the same storm. With my lick, I'll have another lock malfunction when I need it most.
If you insist on owning a Smith with the lock, disable it. And to all the people why say it's disabling a safety and it's a bad idea for a carry gun due to liability, that's absolutely BS. How many people do you know who carry a cocked 1911 without the safety engaged? Nobody, because it's a SAFETY. how many people do you know who carry their concealed Smith revolver around with the lock engaged? Nobody, because IT'S NOT A SAFETY! It's an access denial device, no different than a safe, trigger lock or cable lock.