I've owned several Smith and Wesson's with the lock and have never found it to be a big deal. (shrugs) Do I wish they didn't have it? Sure. I'll never use it, but it's here, apparently to stay for a while (it's been here about twenty years now) anyway. I worry almost as much about it malfunctioning as I do about being hit by a steamship leaving home this morning.
And yes, I've got a Model 29-10 with "the Lock." One thing I like about "lock guns" is they're usually a lot less expensive used, than their non-lock counterparts.
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The other side.
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All I ever shoot in it is 44 Specials, but paper targets don't take a lot of killing and my old arthritic hands don't care for a lot of recoil these days.