Quoted: ... I thought the #1 advantage of the Smith would be "always" reliability, which is important in a last ditch weapon. ...
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Nothings perfect! This is not a common issue and I’m sure there are plenty of folks here who’ve never even heard of it!
However, having seen it repeatedly in my younger days, I’m very aware of it. Thus, whenever I carry a revolver I
very carefully do this check after loading and closing the cylinder:
1 – point the revolver in the safest possible direction with the finger well away from the trigger
2 – thumb the hammer back just enough to disengage the bolt and let the cylinder turn freely.
3 – turn the cylinder gently to insure that it’s not binding (no cowboy spin!).
That should guarantee that you’re not going to have the above problem – at least with that cylinder full of ammo.
Unfortunately, you can’t realistically do this with a concealed hammer revolver. However, you could safely do much the same drill immediately before loading the revolver by pulling slightly on the trigger and insuring the
empty cylinder rotates freely.
Keeping the revolver clean and free of oil underneath the extractor star and shooting clean ammo will also help.