My wife owns two Ruger revolvers, one is an SP101, .357 /.38 Special. The other is a GP100, same caliber.
She carries the SP101 all the time. She has her CCW permit. CC is legal for anyone over 21 in AZ, as long as you are in the approved carry-category (no felonies, etc.).
My question pertains to carrying a full-capacity cylinder load or hammer down on an empty cylinder. My wife thinks it is safer for her to carry with hammer down on an empty cylinder rather than carry a full-load. I am of the belief that because of the transfer bar in both revolvers, it is safe to carry a full cylinder and the hammer down does not contact the round because of the transfer bar holding the hammer up and away from the loaded cylinder.
Am I correct, or is my wife correct? I want her to be safe.