It's just like all of the target style 22 pistols (Ruger Mark, Buckmark, 22/45, S&W 22A, NEOS),,,
Once you chamber a round there is no way to de-cock the gun or lower the hammer,,,
You rely completely on the manual safety.
If this is a not a concern I say get the M&P Compact.
If that is a concern for you,,,
Look at the Ruger SR-22.
It's the same physical size as the M&P Compact,,,
But has an external hammer and a decocker.
Aarond
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