They are not "supposed to be performance center models," they ARE
Performance Center models.
No Company can produce 100% perfect products 100% of the time. I do not care how
much they charge you for it, things are going to slip by.
When a screw loosens on one of my firearms, I just tighten it. Not too big a deal.
I can not comment on the rails as I have never bothered installing them on mine.
Though it sounds like you may have gotten a set of screws that are too long.
Odds are the rattle that you are hearing is the hammer block.
If you call S&W they will probably mail you a new set of screws