My understanding is that the problem can occur not just with super-hot handloads, but with factory loads as well, with 125 gr. loads being the primary problem.
I don't believe there is, or ever will be, a premium for un-recalled 686s (or 586s, 681s, 581s). You can get the firing pin and bushing replaced by S&W at no cost - they'll even pay the shipping both ways. The appearance of the gun will be unchanged. Why keep a gun with a known design flaw when you can get it corrected at no cost and minimal hassle?
NRA Benefactor Life Member
Pemigewasset Valley Fish & Game Club