I don't have a breakdown 1885 (in fact, knowing how an 1885 is constructed, I don't quite understand how they do a breakdown), but I'll make a few general observations:
1) The breakdown type of gun was popular in the old days, particularly among wealthy "swells" who were paying top dollar for fine guns; so I think they got the basic approach pretty well figured out.
2) Ballard makes a really fine (and expensive) product ... and I assume they back it up, warranty-wise.
3) Unless you're either a competitive target shooter or like prairie dog hunting, this type of gun typically doesn't get a lot of use.
4) Considering all of the above, a Ballard-made gun should outlast you by about 3 generations. Also, for the money they're asking, Ballard should be prepared to answer any questions you may have.