my s&ws not very often ,but my new vaqueros get hammered ,no snap caps either after 2 yrs and 30000 +dryfires one of the guns gave up a transfer bar but the others are still going strong .a transfer bar is about 20 bucks and isnt all that hard to install...rugers are tough.
when im inspecting a gun at a show or store i put my off hand thumb under the hammer to test trigger, usually the clerk or owner will tell me dont bother, but its an easy way to show respect for the firearm and owner