Transfer bar and internal lock have nothing to do with each other. While recent S&W triggers are not very good (they actually are all over the charts and not consistent but so are a lot of Rugers) a S&W trigger can be worked to a much higher quality than a Ruger because the action geometry is completely different. Ruger DA triggers can be improved a great deal but they will never come close to a properly tuned S&W. This is not just my opinion, ask any smith who has done a lot of revolver tuning.
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