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The transfer bar allows you to safely increase your ammo capacity by about 20%, even if we totally drop the safety perspective.
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That's still a matter of opinion and experience. I've carried six in a SA for almost 40 years with the hammer down between chambers in conditions you probably never dreamed of. Haven't put a hole in myself yet. If you're safe you don't need a transfer bar. A transfer bar is about like training wheels on a bicycle.