The list of policemen (who are
civilians, by the way) "saved" by a magazine disconnect is probably about the same length as drivers who were "saved" in a wreck because they were thrown clear of the wreck because they were not wearing their seat belt. Want to play those odds?
The argument for a magazine disconnect is as
specious as that for not wearing your seat belt.
During training courses we often see students engage targets without magazines in their pistols or with unseated magazines. If the chamber is loaded they at least get one shot -- if they don't have a magazine disconnect.
Fortunately the M&P design allows the magazine disconnect to be easily removed. Same for the frame safety lock.
-- Chuck