Moonclips for .38 Special are much thinner than those for .38 Super, 9mm or .45 ACP. They are very easily bent and usually case brand sensitive. I love the moonclip guns (have three 625s and a 940, recently got rid of a 627-4 that did not live up to expensive expectations) but I would never moonclip a .38 Special that would be used as a defense gun. Moonclipped .38 Special is big among the ICORE competitors with their 7 and 8 shooters but all the competitors I know take great pains to keep these revolvers running smoothly and they still get the occasional sticky, problematic reload. As you are good with speedloaders, I would not bother with the moonclips.
If you do decide to have it moonclipped, you can still use loose rounds. I once had a .45 Colt that was moonclipped and use of loose rounds would wear the tops of the rims and make them very sharp. I could never figure out why but then I eventually got rid of that gun too. I don't know if it would happen with .38 Special but it's something to think about.
Dave Sinko
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