I put a buffer in my model 41 because I liked to shoot Walmart ammo when you could get it.
A lot of people post about the frame cracking if you don't.
I can't say I bought into that but decided to try the buffer anyway. I had more reliability problems with the buffer. Everyone I spoke to said don't worry about it. They are a very strong steel gun and can take a lot of heavy use.
I never planned for mine to be a safe queen but that is where it sits most of the time. I take my Rugers to the range, If I want to set them on the concrete shooting bench, or a dirty piece of wood, or even in the gravel, I can. I couldn't bring myself to do that with the model 41.
I say do whatever you feel like and you won't be wrong.