My concern with sending a gun back to Springfield is you don't know what will happen to it. They may fix the problem (or not), but then screw up something else. IMO, the S&W warranty is only valuable if you know the problem is something that can't be fixed without replacing parts that only the factory has. It's worth investigating a bit before giving them a second chance to make a mess of it.
If the problem is just that the insides are full of metal shavings, you can detail strip it, clean and lube, and be good to go. This is something I'm personally uncomfortable not having done in the first place.