I have a Ruger SP-101 3" for CCW. I'm wondering whether it would be smart to bob the hammer so that there is no chance of a clothing snag in case I have to draw from IWB. I don't believe that Ruger sells any hammerless parts.
The real question is whether there is any reason to keep the hammer for SA firing purposes. I certainly wouldn't hold a burglar at gunpoint in SA mode. Likewise, in a defensive shooting at close range, no one uses SA mode.
The only situation that I can think of in SA mode is a scenario like the Colorado church shooting where the lady CCW holder who emerged from concealment and got the drop on the killer, could have fired SA on her first shot for more precision if she had wanted to.
With a good action job and Wolff springs, the DA pull on a SP-101 can be 6 pounds. In contrast, a good SA pull might be 4 pounds. I'm not so sure that there's that much of an accuracy difference at 5 yards.
What is you advice?