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It also "paid" to convert back in the day 1800's- Colt conversion guns sold for $5, while a new Peacemaker was $12.
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Not even the same thing and yes, I'm well aware of that. You won't catch me asleep at the wheel when it comes to cartridge conversions. It certainly does not "pay" to buy a conversion cylinder that must be removed to be reloaded when you can buy an authentic cartridge conversion complete with handy dandy ejector assembly and loading gate.
There is no "chicken or egg". The Open Top sported a new receiver and while it was based on the 1860, it was a new design, designed from the start as a cartridge gun. Only because the Army rejected it, wanting a solid frame, centerfire ignition and .45 caliber did it not become the new standard.
No sir, I use strictly a 240gr SWC over 4.0gr Titegroup or 5.0gr Unique in my .44Colt's.