Holy Sheepschitz! I would hate to have to go through that crap in order to buy a gun. That being said, I don't know why you are against Rugers, they built like tanks so they will probably outlast you even at your young age.
I also wouldn't worry about locks and stuff, I have a Smith and Wesson 686+ with a 4" barrel and I love it. I don't even think about the lock. There are Ruger Guys and Smith and Wesson guys, I happen to own both.