Ditto everything above about the Ruger having a pin to prevent the firing pin from hitting the breech face.
HOWEVER!!!!
My .22/45, as I've mentioned before, has over 35,000 rounds through it and has been dry fired every time I've cleaned it. In all those firings, there has been some wear in the hole in the firing pin as well as the pin that goes through that hole. Enough *slop* has developed that I can see a visable mark in the breech face where the firing pin strikes.
(I'm not overly concerned with peening the firing pin since they're cheap and easy to replace. What concerns me most is putting a dent in the breech face)
Based on my experience, the firing pin and the firing pin blocking pin should be replaced somewhere between 30 and 35 thousand firings,,,,live or dry. A new set of springs wouldn't hurt either.
I'd be inclined to say the same holds true for the entire Mark series of Rugers. Can't comment on the rifles since I don't have one.
Now to put it a bit more in perspctive, if you shot 500 rounds each and every month it would take you about 5-6 years to get there.