I paid a little more for a no-lock 642-1 back in 2008... and have been happy with it since then.
In regards to the lock, I saw one J-frame that locked up at a local range, which was being sent back to S&W. While the numbers of failures are very low among all of the lock guns, it is something I personally don’t opt for. Again, chance of failure is low... but a no-lock revolver doesn’t have that possibility of failure (not saying they have no chance of failure, just locking up from the lock failing).
I have been going back and forth with getting a TRR8, as I wanted a railed, light-weight, full size revolver. Can only get it with the lock, and I’m personally not a fan of removing things like that. Even with the plug, still have the hole and arrow (would bother me).