Thanks again everyone,

Sounds as if I have a little more thinking to do , but if I take Nomercy448's suggestion I can have the best of both worlds.

Nomercy, ... you say the hammerless Ruger's won't do the single action cocking trick like your S&W's ... is that soley because of the notches in the hammer? So if I buy a model with a hammer, remove the hammer and send it back and have them install one at my cost (no warranty), I'll then have 2 hammers that WILL operate in a single action cock, but then I can bob my own (or have it done) in the configuration I like? That idea sounds perfect.

I think I'll call Ruger and ask them what that charge will be to install another reg hammer at my cost.

First though, I'll buy the hammered model and see just how much the hammer seems to be in my way in CC.

I love this forum. I don't often need to check on things but when I do there are a ton of folks with unique experience different from mine.

Invaluable info here.