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What, if any, purpose does it serve?
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Reaader's Digest Version:
It makes it possible for the M&P to pass the drop test phase where the gun lands on the rear end. Without the lock, inertia could cause the trigger to keep going and fire the gun.
Before you ask, the part that makes it possible for the M&P to pass the drop test where the gun lands on the muzzle is the Striker Block. It prevents the striker moving forward and hitting the primer.
All the safeties in an M&P are released when the trigger is pulled, so, no, it does not prevent shooting yourself by pulling the trigger.