If you're going to carry it, a concealed hammer makes a lot of sense. There's no hammer spur to snag on clothing when drawing. Also you don't have to worry about accidental discharges with the DAO. It's a lot easier to get used to than you would think. These type guns are meant for very close range anyway. The way I see it-if you have to worry about accuracy with a "belly gun", you're too far away in the 1st place.
I bought my wife a S&W model 442 "hammerless" DAO and did an action tune with a reduced pull weight Wolff spring kit. It shoots sweet now. If the Ruger LCR had been out at the time I likely would have bought it instead-or at least checked it out.