New 642s can be had without the internal lock. It's not optional on new 638s.
There really isn't a need for SA on a defensive revolver. For me, they're reactionary tools, i.e. I need to immediately react, draw, and fire in response to an attack. One can always come up with scenarios where having to fire SA may be helpful, but realistically they're just not likely. Plus, the last thing I want in my hands in a life-or-death situation is a light, short trigger pull while adrenaline is coursing through my body.
While some scoff at the concern over liability if a prosecutor or plaintiff makes the "hair trigger"/accidental/unintentional claim, it's not something that should be completely disregarded. There are other arguments the prosecutor/plaintiff could make. Of course, if one can articulate a reasonable explanation for why it was necessary to fire SA, it may be enough to convince a judge/jury. And there's always the possibility it won't ever be an issue. A defensive shooting may not even get to the point of charges being filed or the defender being sued. But I think it is something to at least be aware of when considering your choice of carry gun. I'd rather not deal with that if I can avoid it.
Having said all that, if someone prefers having the SA option, that's fine. Everybody has different needs when it comes to the tools they use. If you determine that the SA option is something you want or need, then by all means, use a Bodyguard or Chief, though for carry I do think Bodyguards get the nod due to their relatively snag-free profile.
Personally, I'd love to get a DAO Bodyguard. Even with the heavy DA trigger pull of the Centennials I would like to be able to put my thumb on the hammer while holstering.