You will get lots of opinions about the lock issue, but in my experience it is not a big deal. My carry gun has the lock and has a couple of thousand rounds through it with absolutely no problems. The Model 10 will serve you well for many years.
If that is what you want then go for it. I have a bunch with and a bunch without the lock. All are fine, reliable revolvers. I will add though that for the price of a new one, you can get a pretty darn nice used one without a lock