My snubbie (S&W m37, no lock) has a regular hammer, and that was my choice. I have arthritis, and there are times that the DA trigger is just too hard. A good friend on another board suggested a regular hammer, telling me that the "snag on the pants" issue is really a non-issue and that the hammer might be important for me to have.
He was right on both points.
I've carried that snubbie a great deal since I got it, and it has never once caught on my belt loop, my shirt, a pocket, or anything else. The hammer gives you an option for SA shooting, one which, say, if you have to shoot weak hand unexpectedly, might become important.
Get one with a real hammer.
Springmom