For civilian CCW use, I don't see any real pros or cons to a mag disconnect. Personally, I don't like them...just one more thing to go wrong, but that's a pretty unlikely scenario.
The thinking is that if you get into a weapon retention issue, you might be able to pop the mag release, and at least your gun can't be used against you. The problem with that, is that to a certain degree, it's built around the idea of a law enforcement officer who happens to be carrying a backup....pop the mag, let the bad guy have the gun-shaped club, and get to your backup as fast as possible.
In a civilian situation, you shouldn't even be drawing the weapon unless you've already decided it's time to make noise (most states it's illegal to brandish the weapon in order to make somebody back off). If it comes out, it's going bang, not being wrestled over. A uniformed LEO situation is much different....the weapon is normally worn exposed, and more available for attempted gun grabs, as well as frequently drawn without being fired, and that's when you wind up wrestling over them.
None of my issued/personally owned carry guns have a mag disconnect. R,