Another reason is that, as others have pointed out, the main reason for avoiding +P in a non-rated steel J frame seems to be the potential for accelerated wear,
not to avert a gun-destroying kB!
Blown-up gun threads and pictures spread like wildfire on the Internet, often creating ongoing controversies and urban myths that just won't die. This topic comes up often, but I have
never seen an example of a steel J frame that catastrophically blew up while using a factory .38Spl+P load. (I've seen cracked Airweight aluminum frames, but that's another topic.)
The absence of kB! anecdotes makes me confortable concluding that it rarely if ever happens. YMMV.