I say everyone should do what makes them comfortable with single actions, as long as everyone is safe, no problem. I am used to loading five in any single action without a transfer bar, and have no problem with switching to six in the Ruger, but I've had them all apart many times and know how they all work. Each firearm has it's own safety features, but the best safety feature is in our heads. Far as Ruger goes or any others with transfer bars where the hammer sits on the frame, that was just one small thing that attracted me to them besides the toughness of the Ruger. Always carried six in double actions as well, but the firing pin wasn't sticking through the frame on those either. I never had a problem getting mixed up on different firearms...if I get that old and forget those things and become unsafe with guns, my wife has orders to take em away from me.